CN108040495A

CN108040495A - Via the customer in face recognition mark transaction

Info

Publication number: CN108040495A
Application number: CN201680031789.4A
Authority: CN
Inventors: 菲利普·托马斯·亨德森; 赛义德·西迪基
Original assignee: Google LLC
Current assignee: Google LLC
Priority date: 2015-07-02
Filing date: 2016-07-01
Publication date: 2018-05-15
Anticipated expiration: 2036-07-01
Also published as: EP3317817B1; US20170004507A1; EP3317817A1; CN108040495B; WO2017004602A1

Abstract

Trade company and user register to payment processing system, and the payment processing system establishes face template based on user images.The user signs in payment application via user calculating equipment, and the user calculating equipment receives identifier to be sent to the payment processing system from trade company's beacon equipment.The payment processing system is the user and sends face template to trade company's point of sale device also to sign in the other users for paying application in the range of trade company's beacon equipment.The merchant POS equipment determines whether it has the face template of number of thresholds and can ask and receive additional face template from the payment processing system to reach the threshold value.The trade company POS operator selection and the corresponding face template of the user.The merchant POS equipment sends trade detail, the payment processing system processing and the transaction of distribution method, system to the payment processing system.

Description

Via the customer in face recognition mark transaction

Technical field

This disclosure relates to by improving use based on the face recognition of user to identify the user account used in transaction Convenience of the family in transaction.

Background technology

When customer is bought at merchant location, many methods being traded are available.Customer can use Many different cards or account are bought, such as Gift Card, debit card, credit card, stored value card and other cards or account.Can With via magnetic stripe, be related to the near-field communication technology of user calculating equipment and user's account that other suitable mechanism will be represented by card Family identifier and other data are transmitted to commerce system.

Current application for being traded at merchant location requires customer by providing user account to commerce system Identifier or other data perform the action of mark himself.

The content of the invention

The technology of this paper provides the computer implemented method for being used for being traded via the face recognition of user.In example In embodiment, trade company registers to payment processing system.Commerce system installs one or more trade company's letters at commerce system position Marking device and one or more trade companies point of sale device.For example, user using payment processing system establish account and with this Downloaded in the user calculating equipment that user is associated and pay application.In this example, user sends out the image of himself and/or signature Payment processing system is sent to establish the face template associated with user account and/or signature template.User into trade company be System position and via user calculating equipment sign in payment application.In another example, user is entering commerce system position Time before signs in payment application.User calculating equipment from trade company beacon equipment receive trade company's beacon equipment identifier and Transmit the identifiers to payment processing system.Payment processing system is sent and its user calculating equipment to trade company's point of sale device In the network range of trade company's beacon equipment and sign in pay application user it is corresponding face or signature template.If Face template is shown to point of sale device by facial or signature template up to or over number of thresholds, then trade company's point of sale device Operator and operator identifies user on trade company's point of sale device.If face or signature template are not up to number of thresholds, Then trade company's point of sale device asks similar face template or label for the current customer at merchant location from payment processing system Name template and receive requested similar face or signature template from payment processing system.In this example, trade company sells Face or signature template and similar face or signature template for displaying to trade company point of sale device operator and are somebody's turn to do by point device Operator by by shown template with the actual physics profile of user or signature compared with relatively come on trade company's point of sale device Identify user's face or signature template.After user is identified, trade company's point of sale device is asked and received from payment processing system The account information of identified user and the one or more accounts for showing user.Trade company point of sale device operator selects to use The account at family is used to merchandise.Trade company's point of sale device sends trade detail, the payment processing system life to payment processing system Into transaction authorization request with the associated distribution method, system of the user account for being sent to being selected for using in transaction.Branch Processing system is paid to receive the approval to transaction authorization request and send receipt to trade company's point of sale device.

This solution and its variation possess the potentiality that increased security is produced with the user mutual of reduction.In addition, by The technique effect that the technical program and its variation produce in real world may is that to provide safer user identity The fact that telecommunication line (VPN etc.) of (but being not excluded for) safety is not strictly required in proof.By this solution and its variation Generation technique effect further aspect is that the security of raising avoid be related to it is additional for what is energetically solved the problems, such as Data service and the false rejection of subsidiary communication authorization.In addition, this solution and its variation possess by POS computing devices The authenticity that place automatically provides user visually indicates the potentiality for carrying out generation technology effect.This solution and its variation possess It is corresponding using the technical embodiment with being proved such as the user identity defined in claim, further description and attached drawing Special technique feature.This solution and its variation possess is presented related user identity equally in a manner of more efficient and is safe Information potentiality.

This solution and its variation possess the user for improving the additional means that otherwise will have to prove his identity The potentiality of confidentiality.In addition, data transfer can be improved and handle and mistake can be reduced.

In in terms of some other examples described herein, there is provided for being handed over using the face recognition of user Easy system and computer program product.

Consider the example embodiment of diagram it is described in detail below after, example embodiment these and other aspect, Objects, features and advantages will become obvious for the ordinary skill in the art.

Brief description of the drawings

Fig. 1 is the frame for describing the system for being used to be traded using the face recognition of user according to some example embodiments Figure.

Fig. 2 is the block for describing the method for being used to be traded using the face recognition of user according to some example embodiments Flow chart.

Fig. 3 is to describe to be used to register and in trade company from commerce system to payment processing system according to some example embodiments The block flow chart of the method for hardware is installed at system position.

Fig. 4 is the method being used for from user to payment processing system login account described according to some example embodiments Block flow chart.

Fig. 5 is the method for being used to establish the face template associated with user account described according to some example embodiments Block flow chart.

Fig. 6 is that description will be with user's face template phase for being generated by payment processing system according to some example embodiments The block flow chart of the method for associated similar face template.

Fig. 7 is to describe to be used to be received by beacon equipment institute of trade company extensively by user calculating equipment according to some example embodiments The block flow chart of the method for the trade company's beacon identifier broadcast.

Fig. 8 is the method for being used to receive face template by trade company's point of sale device described according to some example embodiments Block flow chart.

Fig. 9 is to describe to be used for the net of the into or out trade company's beacon equipment of user according to some example embodiments Block flow chart of the network scope by trade company's point of sale device from the notification received method of payment processing system.

Figure 10 is to describe to be used for by user in trade company's point of sale device initiation transaction according to some example embodiments The block flow chart of method.

Figure 11 is to describe to be used for by trade company point of sale device operator via face recognition according to some example embodiments To identify the block flow chart of the method for user.

Figure 12 is to describe to be used for by trade company point of sale device operator via identity document according to some example embodiments To identify the block flow chart of the method for user.

Figure 13 is the block flow chart for describing the method for being used to handle transaction according to some example embodiments.

Figure 14 is described according to the computing machine of some example embodiments and the block diagram of module.

Embodiment

Summary

It is real that example embodiment described herein provides the computer for being used for being traded using the face recognition of user Existing technology.

In the exemplary embodiment, trade company registers to payment processing system.Commerce system installs one at commerce system position A or multiple trade companies beacon equipment and one or more trade companies point of sale device.For example, user establishes account with payment processing system Family and the download payment application in the user calculating equipment associated with the user.In this example, user by himself and/or The image of signature is sent to payment processing system to establish the face template associated with user account and/or signature template.With Family enters commerce system position and signs in payment application via user calculating equipment.In another example, user is entering Time before commerce system position signs in payment application.User calculating equipment receives trade company's beacon from trade company's beacon equipment and sets For identifier and transmit the identifiers to payment processing system.Payment processing system by face or signature template be sent to Its user calculating equipment in the network range of trade company's beacon equipment and sign in pay application the corresponding trade company of user Point of sale device.If face or signature template, up to or over number of thresholds, trade company's point of sale device is by face template It is shown to point of sale device operator and the operator identifies user on trade company's point of sale device.If face or signature mould Plate is not up to number of thresholds, then trade company's point of sale device asks phase from payment processing system for the current customer at merchant location As face template or signature template and receive requested similar face or signature template from payment processing system.Herein In example, trade company's point of sale device sets face or signature template and similar face or signature template for displaying to trade company point of sale Standby operator and the operator are on trade company's point of sale device by by the actual physics profile of shown template and user Or signature identifies user's face or signature template compared to relatively.After user is identified, trade company's point of sale device is from payment processes System request simultaneously receives the account information of identified user and shows one or more accounts of user.Trade company point of sale is set The account for the user that standby operator's selection uses in transaction.Trade company's point of sale device sends transaction carefully to payment processing system Section, the payment processing system generate transaction authorization request to be sent to and be selected for the user account used in transaction Associated distribution method, system.Payment processing system receives the approval to transaction authorization request and is sent out to trade company's point of sale device Send receipt.

In the exemplary embodiment, commerce system is registered to payment processing system.Commerce system operator is in trade company point of sale Installation pays application in equipment.In another example, multiple trade companies sale of the commerce system operator at commerce system position Installation pays application on point device.Trade company's beacon equipment receives beacon identifier code from payment processing system.For example, trade company is System operator installs one or more trade companies beacon equipment at commerce system position.Trade company's beacon equipment is in commerce system position Place is via wireless communication broadcast trade company beacon identifier code.Commerce system operator installs trade company's pin at commerce system position Point device is sold with corresponding to trade company's beacon equipment identifier.In another example, multiple trade company's point of sale device are installed in business At the system position of family, each trade company's point of sale device corresponds to particular merchant beacon equipment identifier.It is specific in another example Trade company's beacon equipment identifier can correspond to two or more particular merchant point of sale device.In another example embodiment In, trade company's point of sale device rather than beacon equipment broadcast trade company of trade company beacon identifier.Payment processing system receives trade company's pin Sell point device identifier and make it and the corresponding beacon identifier broadcasted by trade company's beacon equipment or trade company's point of sale device It is associated.

In the exemplary embodiment, user registers to payment processing system.For example, user is via the use associated with the user Family computing device accesses payment processing system website.User registers to payment processing system and downloads to user by application is paid On computing device.In the exemplary embodiment, payment processing system establishes the face template associated with user account or signature mould Plate.For example, pay request of the application display for user via user calculating equipment capture face-image.In another example, Pay and submit signature via the user interface of user calculating equipment for user using display or submit signature in other ways Request.User selects the option of capture face-image.In another example, user selects to submit the option of signature.In example In, pay the photomoduel of application activating user calculating equipment and user captures the face-image of himself.In another example In, user designs on user calculating equipment user interface to sign and selects the option of user interface to submit the signature.Branch Pay processing system and face-image or signature are received from user calculating equipment by network.Payment processing system is based on received Face-image creates the face template associated with user account.In another example, payment processing system is based on being received To signature create the signature template associated with user account.

User signs in the payment application in user calculating equipment.Trade company beacon equipment of the user at commerce system position Within the threshold range carry user calculating equipment.User calculating equipment receives the trade company's beacon mark broadcasted by trade company's beacon equipment Know and accord with and received trade company's beacon identifier and user account identifier are sent to payment processing system.Payment processes System receives trade company's beacon identifier and user account identifier.Payment processing system extraction is associated with user account identifier Face template and identify the trade company camera apparatus associated with trade company beacon equipment identifier.In another example, pay Processing system extracts the signature template associated with user.

The face template of identified user or signature template are sent to and trade company's beacon equipment mark by payment processing system Know the associated trade company's point of sale device of symbol.For example, the face template or signature mould associated with the account of identified user Plate is sent to trade company's point of sale device.Trade company's point of sale device receives the face template or signature template of user.Trade company's camera The face template of user or signature template are added to current customer daily record by equipment.Trade company's camera apparatus is based on from payment processes system Update current customer daily record to the update cycle property that system receives.For example, payment processing system sends the facial mould of subsequent user Plate or signature template, the subsequent user carrying user enter foundation wirelessly for signing in the user calculating equipment for paying and applying The threshold distance of trade company's beacon equipment required by network connection.In this example, payment processing system is received and calculated by user Trade company's beacon equipment identifier transmitted by equipment, extraction are stored in the face of the subsequent user in the memory of payment processing system Portion's template or signature template, and the face template for the subsequent user extracted or signature template are sent to by business by network Family camera apparatus.In another example, set in response to detecting that associated with user user in current customer daily record calculates The standby network connection no longer maintained with trade company's beacon equipment is no longer logged into payment application, and payment processing system is to trade company's phase Machine equipment sends the notice that user has been moved off merchant location.In this example, trade company's camera apparatus is from current customer daily record Delete indicated user identifier and associated face template or signature template.

User is close to trade company's point of sale device.The article of trade company's point of sale device operator aggregate user purchase.Trade company sells Selling point device operator requires user to select payment options.User guided trade company's point of sale device operator sends out via application is paid Play transaction.For example, as previously discussed, pay application and be installed in both trade company's point of sale device and user calculating equipment. Trade company point of sale device operator selects to initiate the option of transaction using application is paid on trade company's point of sale device.Trade company sells Sell face template that point device determines whether predefined thresholds quantity or signature template be saved in can to trade company's point of sale device In the current customer daily record of access.For example, payment processing system is carried out with both trade company's camera apparatus and trade company's point of sale device Communication.

If face or signature template show face template up to or over number of thresholds, trade company's point of sale device User is identified on point of sale device to point of sale device operator and the operator.If face or signature template are not up to Number of thresholds, then trade company's point of sale device ask similar face from payment processing system for the current customer at merchant location Template or signature template and receive requested similar face or signature template from payment processing system.In this example, Trade company's point of sale device gives face or signature template and similar face or signature template for displaying to trade company's point of sale device operation Member and the operator are on trade company's point of sale device by the way that shown template and actual physics profile or sign is compared To identify user's face or signature template.

If trade company point of sale operator cannot identify user, trade company point of sale device operator based on face recognition The identity of user is verified via the one or more identity documents submitted by user.For example, trade company point of sale device operator Proof of identification is asked from user and user provides proof of identification to trade company point of sale device operator.In this example, identity card The bright one or more identity documents issued including presentation by government organs, such as driving license, or sent out by non-governmental entities Capable one or more identity documents, such as the student's identity card card issued by university.Trade company point of sale device operator be based on by The proof of identification that user provides verifies user identity.For example, trade company point of sale device operator compares customer-furnished body Part one or more data proved compare the one or more account details being shown on trade company's point of sale device.Trade company Point of sale device operator inputs or confirms user identity on trade company's point of sale device.If trade company's point of sale device operation Member can identify user via face recognition or signature recognition, then trade company's point of sale device operator is from being shown in trade company point of sale Selected in face template in equipment shown with the corresponding face template of current customer.

In the exemplary embodiment, payment processing system receives the instruction of the identity of user from trade company's point of sale device.Pay Processing system will be sent to trade company's point of sale device with the identified corresponding account information of user.For example, sold from trade company Sell identity that point device operator receives user, received from trade company's point of sale device user identity or mark user it Afterwards, payment processing system sends the information associated with one or more accounts of identified user.Trade company's point of sale device Show the account of identified user.Trade company point of sale device operator is according to user account of the guidance selection of user for transaction Family and the confirmation transaction under the license of user.Trade company's point of sale device sends trade detail to payment processing system.For example, hand over The account that easy details can include total transaction amount, the user account of the selection used in transaction, trade company use in transaction with And other useful or relevant information.Payment processing system sends transaction authorization request to distribution method, system.For example, distribution method, system It is associated with the user account for being selected for using in transaction.Issue method, system approval transaction authorization request and to payment Processing system sends Trading Authorization approval.Payment processing system sends receipts of transactions to trade company's point of sale device.

By using and rely on method and system described herein, payment processing system, trade company's beacon equipment, user Computing device and trade company's point of sale device allow users to be traded with commerce system, must be as at some without user Interacted as required by current techniques with user calculating equipment.Therefore, system and method described herein can subtract Less as user via the input required by user calculating equipment and as required by trade company point of sale device operator identification user Input.

Example system architecture

Turning now to attached drawing, example embodiment is described in detail, label similar in the accompanying drawings is in all figures Indicate similar (but not necessarily identical) element.

Fig. 1 is the system for being used to be traded using the face recognition of user 101 described according to some example embodiments 100 block diagram.As depicted in Figure 1, system 100 includes being configured to each other be led to via one or more networks 140 The network computing device 110,130,150 and 160 of letter.In certain embodiments, the user associated with equipment, which must install, answers With and/or make feature selecting to obtain the benefit of technology described herein.

In the exemplary embodiment, network 140 may include LAN (" LAN "), wide area network (" WAN "), Intranet, interconnection Net, storage area network (" SAN "), Personal Area Network (" PAN "), Metropolitan Area Network (MAN) (" MAN "), WLAN (" WLAN "), virtual private Net (" VPN "), honeycomb or other mobile communications networks, bluetooth, bluetooth low energy, NFC or any combination thereof or facilitate signal, number According to and/or message communication any other appropriate framework or system.Through the discussion of example embodiment, it should be appreciated that It is that term " data " and " information " are used to refer to the text that may be present in computer based environment interchangeably herein Sheet, image, audio, the information of video or any other form.

Each network computing device 110,120,130,150 and 160, which includes having, to be sent and received by network 140 The equipment of the communication module of data.For example, each network computing device 110,120,130,150 and 160 may include server, platform It is formula computer, laptop computer, tablet PC, embedded wherein and/or coupled one or more processors TV, smart phone, handheld computer, personal digital assistant (" PDA "), or any other wired or wireless processor driving Equipment.Depicted in figure 1 in example embodiment, network computing device 110,120,130,150 and 160 is respectively by user 101st, 120 operator of trade company's beacon equipment, 130 operator of trade company point of sale (" POS ") equipment, distribution 150 operator of method, system Operated with payment processing system 160.

Example user computing device 110 includes antenna 111, Wi-Fi controller 112, pays using 113, user interface 115th, data storage cell 116, photomoduel 117, web browser 118 and communications applications 119.

In the exemplary embodiment, antenna 111 is the communication hand between user calculating equipment 110 and trade company's beacon equipment 120 Section.In the exemplary embodiment, Wi-Fi controller 112 exports radio signal by antenna 111 or intercepts from trade company's beacon The radio signal of equipment 120.In another example embodiment, using bluetooth controller or near-field communication (" NFC ") controller.

In the exemplary embodiment, Wi-Fi controller 112 can send and receive data, perform certification and cryptographic function, and And user calculating equipment 110 is instructed by the transmission how intercepted from trade company's beacon equipment 120 or the mistake specified according to Wi-Fi Journey configuration user calculating equipment 110 enters various battery saving modes.In another example embodiment, user calculating equipment 110 includes It is able to carry out the bluetooth controller or NFC controller of similar function.Example Wi-Fi controller 112 is carried out with paying using 113 Communicate and data can be sent and received by wireless Wi-Fi communication channels.In another example embodiment, Bluetooth control Device 112 or NFC controller 112 perform the function similar to Wi-Fi controller 112 using bluetooth or NFC protocol.It is real in example Apply in example, Wi-Fi controller 112 activates antenna 111 to be created between user calculating equipment 110 and trade company's beacon equipment 120 Radio communication channel.User calculating equipment 110 communicates via antenna 111 with trade company beacon equipment 120.In example embodiment In, when user calculating equipment 110 has been activated, Wi-Fi controller 112 passes through 111 polling radio signal of antenna, Huo Zhezhen Listen the radio signal from trade company's beacon equipment 120.

In the exemplary embodiment, paying using 113 is present in user calculating equipment 110 and to user calculating equipment 110 perform program, function, routine, applet or the similar entity of its operation.In some example embodiments, user 101 must install payment using 113 and/or to make feature selecting described herein to obtain in user calculating equipment 110 Technology benefit.In the exemplary embodiment, user 101 can be accessed in user calculating equipment 110 via user interface 115 Pay and apply 113.In the exemplary embodiment, paying can be associated with payment processing system 160 using 113.In another example In embodiment, paying can be with the trade company system associated with trade company beacon equipment 120 and trade company's point of sale device 130 using 113 System is associated.In another example embodiment, paid there are two and apply 113, one associated and another with commerce system It is a associated with payment processing system 160.

In the exemplary embodiment, user interface 115 enables user 101 to apply 113 and/or web browser with paying 118 interactions.For example, user interface 115 can be touch-screen, voice-based interface or allow user 101 to be set from user's calculating Application or module on standby 110 provide any other interface of input and Rreceive output.In the exemplary embodiment, user 101 passes through Interacted by user interface 115 with paying using 113 and/or web browser 118 to configure user 101 in payment processing system 160 On account.In another example embodiment, if it is desired, user 101 via user interface 115 with pay using 113 and/or Web browser 118 is interacted so that payment can be realized.In the exemplary embodiment, user interface 115 enable user 101 to Pay the signature that user 101 is submitted using 113 and/or payment processing system 160.For example, user interface 115 can include pen Pad, the pen pad enable user 101 drawn on the user interface 115 of user calculating equipment 110 his signature for Submit to payment and apply 113 and/or payment processing system 160.

In the exemplary embodiment, data storage cell 116 include be suitable for store information can to user calculating equipment 110 The Local or Remote data store organisation of access.In the exemplary embodiment, data storage cell 116 stores encryption information, such as HTML5 is locally stored.

In the exemplary embodiment, photomoduel 117 can be obtain digital picture any group of user calculating equipment 110 Part, application or function.Photomoduel 117 may reside within user calculating equipment 110 or connect in logic in any way To user calculating equipment 110.For example, photomoduel 117 can be connected to user calculating equipment 110 via network 140.Phase unit Part 117 can be so as to obtain single image or videoscanning.It can be represented by photomoduel 117 any other suitable Image capture device.Photomoduel 117 selects paying the option or no of capture images on using 113 in response to user 101 Then the image and/or video or use of user 101 can be obtained in response to the selection that user 101 carries out on computing device 110 The signature at family 101 be sent to payment processing system 160 with for create the face template of user 101 or signature template.

In the exemplary embodiment, such as web browser 118 of communications applications 119 can be used to apply or independent utility for user 101 Document or web page is checked, downloads, uploaded or accessed in other ways via distributed network 140.

In the exemplary embodiment, web browser 118 may be such that user 101 can using user calculating equipment 110 come with Web page interacts.In the exemplary embodiment, user 101 can be accessed via web browser 118 by the institute of payment processing system 160 The account of the user 101 of maintenance.In another example embodiment, user 101 can access system of trade company via web browser 118 System website.In some example embodiments described herein, also may be used by paying using 113 one or more functions performed To be performed by web browser 118 application associated with payment processing system 160.

In the exemplary embodiment, communications applications 119 can be connected to network 140 web server or other computing devices, Interacted including user calculating equipment 110 and the web server of commerce system.

In some example embodiments, it is described herein as by paying using 113 one or more functions performed Can also be for example associated with commerce system website or associated with payment processing system 160 by the application of web browser 118 Web browser 118 is applied to perform.In some example embodiments, it is described herein as what is performed by paying using 113 One or more functions can also be performed by 110 operating system of user calculating equipment., can also in some example embodiments The one or more functions for being described herein as performing via web browser 118 are performed via paying using 113.

Example trade company beacon equipment 120 includes antenna 121 and Wi-Fi controller 122.In the exemplary embodiment, trade company is System position includes being installed on one or more trade company's beacon equipments 120 at commerce system position.In the exemplary embodiment, each Trade company's beacon equipment 120 of installation is set by payment processing system 160 and the particular merchant point of sale at merchant location Standby 130 is associated.For example, payment processing system 160 can include making 120 identifier of trade company's beacon equipment set with trade company point of sale Standby 130 associated database.For example, 130 identifier of trade company's point of sale device can include the hardware mark specific to the equipment Know symbol, such as sequence number or MAC ID.In another example, 120 identifier of trade company's beacon equipment can be included specific to beacon The hwid of equipment is formed and stored in the identifier in trade company's beacon equipment 120 by payment processing system 160.Example Trade company's beacon equipment 120 is programmed to, through wireless network 140 to the within the threshold range required by wireless network 140 is maintained 120 identifier of particular merchant beacon equipment is broadcasted, launches or sent in other ways to any user calculating equipment 110.For example, Wireless network can include Wi-Fi network 140, blueteeth network 140, NFC networks 140 or any other appropriate wireless network 140。

In the exemplary embodiment, antenna 121 is the communication hand between user calculating equipment 110 and trade company's beacon equipment 120 Section.In the exemplary embodiment, Wi-Fi controller 122 is exported radio signal or is intercepted and calculated from user by antenna 121 The radio signal of equipment 110.In another example embodiment, using bluetooth controller or near-field communication (" NFC ") controller. In the exemplary embodiment, Wi-Fi controller 122 exports radio signal by antenna 121, or intercepts from payment card apparatus 120 radio signal.

In the exemplary embodiment, Wi-Fi controller 122 can send and receive data, perform certification and cryptographic function, and And trade company's beacon equipment 120 is instructed by the transmission how intercepted from user calculating equipment 110 or the mistake specified according to Wi-Fi Journey configuration trade company beacon equipment 120 enters various battery saving modes.In another example embodiment, trade company's beacon equipment 120 includes It is able to carry out the bluetooth controller or NFC controller of similar function.Example Wi-Fi controller 122 is carried out with paying using 113 Communicate and data can be sent and received by wireless Wi-Fi communication channels.In another example embodiment, bluetooth controller 122 or NFC controller 122 perform the function similar to Wi-Fi controller 122 using bluetooth or NFC protocol.Implement in example In example, Wi-Fi controller 122 activates antenna 121 to create nothing between user calculating equipment 110 and trade company's beacon equipment 120 Line communication channel.Trade company's beacon equipment 120 communicates via antenna 121 with user calculating equipment 110.In example embodiment In, when trade company's beacon equipment 120 has been activated, Wi-Fi controller 122 passes through 121 polling radio signal of antenna, Huo Zhezhen Sound the radio signal from user calculating equipment 110.

Example trade company point of sale device 130 includes paying using 133, user interface 135, data storage cell 136 and leading to Letter applies 139.

In the exemplary embodiment, it is to be present on trade company's point of sale device 130 and perform its journey operated to pay using 133 Sequence, function, routine, applet or similar entity.In some example embodiments, trade company point of sale (" POS ") equipment Operator 102 or other commerce system operators must install payment using 133 and/or make on trade company's point of sale device 130 Go out feature selecting to obtain the benefit of technology described herein.In the exemplary embodiment, merchant POS equipment operator 102 The payment that can be accessed via user interface 135 on merchant POS equipment 130 applies 133.In the exemplary embodiment, application is paid 133 can be associated with payment processing system 160.In another example embodiment, pay using 133 can with trade company's beacon The associated commerce system of equipment 120 is associated.In another example embodiment, paid there are two and apply 133, one and business Family system is associated and another is associated with payment processing system 160.

In the exemplary embodiment, user interface 135 enables merchant POS equipment operator 102 and merchant POS equipment 130 interactions.For example, user interface 135 can be touch-screen, voice-based interface or allow merchant POS equipment operator 102 application from merchant POS equipment 130 provides any other interface of input and Rreceive output.In the exemplary embodiment, business Family POS terminal operator 102 interacts via user interface 135 with paying using 133.

In the exemplary embodiment, data storage cell 136 include be suitable for store information can to merchant POS equipment 130 The Local or Remote data store organisation of access.In the exemplary embodiment, data storage cell 136 stores encryption information, such as HTML5 is locally stored.

In the exemplary embodiment, communications applications 139 (such as web browser application or independent utility) are so that trade company POS is set Standby 130 operator can check, download, upload or access in other ways document or Web page via distributed network 140 Face.For example, communications applications 139 can enable to communicate with payment processing system 160 by network 140.

The payment authorization request received from payment processing system 160 is ratified or refused to example distribution method, system 150. In example embodiment, distribution method, system 150 is communicated by network 140 with payment processing system 160.In the exemplary embodiment, send out Row method, system 150 is communicated with acquirer's system to ratify credit authorization and to payment processing system 160 and/or trade company be System is paid.For example, acquirer's system is Third-party payment processing company.

Example payment processing system 160 includes account management component 161, facial recognition component 163, data storage cell 166 and transaction processing component 167.

In the exemplary embodiment, account management component 161 manages one or more 101 accounts of user.In example embodiment In, 101 account of user can include digital wallet account, email account, social networking account or and payment processing system 160 associated any other appropriate accounts.In the exemplary embodiment, account management component 161 to related with user 101 The payment operated in the user calculating equipment 110 of connection communicates using 113, and the user 101 utilizes payment processing system 160 With 101 account of user.In the exemplary embodiment, payment account information is entered into user by user 101 via payment using 113 In 101 accounts and account management component 161 receives payment account information by network 140 and makes received payment account Information is associated with 101 account of user.

In the exemplary embodiment, data storage cell 166 include be suitable for store information can to payment processing system 160 The Local or Remote data store organisation of access.In the exemplary embodiment, data storage cell 166 stores encryption information, such as HTML5 is locally stored.

In the exemplary embodiment, transaction processing component 167 receives the trade detail from merchant POS equipment 130 and initiation The request of transaction.Example trade detail includes commerce system account information, total transaction amount and the payment processes pair with user 101 The user 101 for 101 payment account of user that the account of system 160 is associated selects.For example, the account of user 101 be include with The digital wallet account of the corresponding one or more payment account informations of the corresponding payment account of one or more of user 101 Family.In the exemplary embodiment, transaction processing component 167 is from receiving in the trade detail from merchant POS equipment 130 The user 101 of 101 payment account of user is selected to extract payment account information in corresponding 101 account of user.It is real in example Apply in example, transaction processing component 167 is to distribution method, system 150 or with selecting the payment for being used in transaction by user 101 Other appropriate financial institutions that account is associated send payment authorization request.The request of example payment authorization can include trade company System payment account information, 101 payment account information of user and total transaction amount.In the exemplary embodiment, it is right in distribution method, system 150 After payment authorization request is handled, transaction processing component 167 is received to paying by network 140 from distribution method, system 150 The approval of authorization requests or refusal.In the exemplary embodiment, transaction processing component 167 is to merchant POS equipment 130 and/or user Computing device 110 sends the receipt for the summary for including transaction.

It will be appreciated that shown network connection be example and may be used between computer and equipment establish communicate Other means of link.In addition, the those of ordinary skill in the art for benefiting from the disclosure will be appreciated that illustrated use in Fig. 1 Family computing device 110, trade company's beacon equipment 120, trade company's point of sale device 130, distribution method, system 150 and payment processing system 160 can have any of some other suitable computer system configurations.For example, calculated as mobile phone or hand-held The user calculating equipment 110 of machine specific implementation or can not include above-mentioned all component.

In the exemplary embodiment, the network computing device associated with technology presented herein and any other calculating Machine can be any kind of computing machine, such as, but not limited on Figure 15 those computing machines discussed in detail.This Outside, any module associated with any one in these computing machines, it is all as described in this article module or with it is herein Any other module (script, web content, software, firmware or hardware) that the technology presented is associated, can be on Figure 14 Mould discussed in detail it is in the block any one.Computing machine discussed herein can pass through one or more networks such as net Network 140 with each other and other computing machines or communication system communicate.Network 140 can include any kind of data or Any one in communication network, including the network technology discussed on Figure 14.

Instantiation procedure

Below with respect to component illustrated example method progress into Figure 13 to Fig. 2 of Example Operating Environment 100 Description.Other systems can also be utilized and the exemplary method of Fig. 2 to Figure 13 is performed in other environment.

Fig. 2 is the method for being used to be traded using the face recognition of user 101 described according to some example embodiments 200 block diagram.Method 200 is described with reference to illustrated component in figure 1.

In block 210, commerce system is registered to payment processing system 160 and hardware is installed in merchant location.Under Method in text described in reference chart 3 from commerce system to payment processing system 160 to for registering and in commerce system The method that hardware is installed at position is described in more detail.

Fig. 3 be describe according to some example embodiments be used for registered from commerce system to payment processing system 160 and The block diagram of the method 210 of hardware is installed at commerce system position.Method 210 is retouched with reference to illustrated component in figure 1 State.

In example embodiment described herein, commerce system need not be in example trade company with any particular order System installs hardware at position.Method 210 describes to install an exemplary method of hardware at merchant location.However, installation trade company The commerce system of hardware or other systems need not install merchant POS equipment 130 or trade company's letter with order described herein Marking device 120.

In a block 310, commerce system is registered to payment processing system 160.In the exemplary embodiment, the agency of commerce system Access 160 website of payment processing system and via the website to 160 enrolled merchant account of payment processing system.Implement in example In example, the payment account information associated with merchant account is added to the business managed by payment processing system 160 by commerce system Family account.In the exemplary embodiment, commerce system includes one or more commerce system positions.For example, commerce system can wrap Include one or more physical stores positions.Example merchant location includes one or more trade company point of sale (" POS ") equipment 130. In the exemplary embodiment, one or more merchant POS equipment operators 102 operate one or more business at commerce system position Family POS terminal 130.

In a block 320, commerce system operator installs payment on trade company's point of sale device 130 and applies 133.Show another In example embodiment, commerce system operator buys merchant POS equipment 130 from payment processing system 160 or obtains in other ways There must be the merchant POS equipment 130 that the payment being pre-installed on merchant POS equipment 130 applies 133.In the exemplary embodiment, Merchant POS equipment 130 can be communicated by network 140 with payment processing system 160.In the exemplary embodiment, trade company POS Equipment 130 communicates via payment using 133 with payment processing system 160.For example, merchant POS equipment 130 can be so as to logical Cross network 140 and send trade detail so that 160 energy of payment processing system to payment processing system 160 using 133 via payment It is enough that transaction is handled.In another example, merchant POS equipment 130 can be so as to receive to business from payment processing system 160 Family POS terminal operator 102 notify transaction whether successful receipt.

In block 330, trade company's beacon equipment 120 receives beacon identifier code from payment processing system 160.It is real in example Apply in example, commerce system receives beacon identifier from payment processing system 160 and installs the beacon identifier or with it Its mode is stored on trade company's beacon equipment 120.In this example, trade company's beacon equipment 120 by network 140 from payment processes system System 160 receives beacon identifier code.In another example, trade company's beacon equipment 120 via trade company's point of sale device 130 from branch Processing system 160 is paid to receive beacon identifier code or receive beacon equipment identifier in other ways.In example embodiment In, commerce system operator installs trade company's beacon equipment 120 close to merchant POS equipment 130.In the exemplary embodiment, trade company is The operator that unites installs multiple trade company's beacon equipments 120, the trade companies that each trade company's beacon equipment 120 is associated close to one or more POS terminal 130.Example trade company beacon equipment 120 can establish positioned at in the threshold value degree of approach of trade company beacon equipment 120 The local network 140 of one or more user calculating equipments 110 connects.For example, the threshold value degree of approach depends on being set by trade company's beacon Standby 120 140 communication protocols of network utilized.In another example embodiment, it is described as what is performed by trade company's beacon equipment 120 One or more functions can be performed alternatively by merchant POS equipment 130.

In block 340, trade company's beacon equipment 120 broadcasts beacon identifier at the position of commerce system via wireless communication Code.For example, trade company's beacon equipment 120 can via Wi-Fi, bluetooth, bluetooth low energy (" BLE "), near-field communication (" NFC "), Or it is operable in trade company's beacon equipment 120 and the commerce system position in the threshold value degree of approach in trade company's beacon equipment 120 Established between one or more user calculating equipments 110 at the place of putting network 140 connection other appropriate communication protocols to broadcast, Transmitting sends the data for including beacon identifier in other ways.

In block 350, commerce system operator installs at the commerce system position of trade company's beacon equipment 120 to be corresponded to Merchant POS equipment 130.In the exemplary embodiment, trade company's beacon equipment 120 is installed to be close to particular merchant POS terminal 130. In another example embodiment, trade company's beacon equipment 120 is installed to be close to two or more particular merchant POS terminals 130.

In block 360, payment processing system 160 receives 130 identifier of trade company's point of sale device and it is believed with trade company The correspondence beacon identifier code of marking device 120 is associated.In the exemplary embodiment, commerce system and/or payment processing system 160 configuration trade company point of sale device 130 so that trade company's point of sale device 130 can pass through network 140 and payment processing system 160 communicate.130 identifier of example trade company point of sale device includes hwid, MAC Address or is set with trade company point of sale Standby 130 associated other useful or relevant identifier.In the exemplary embodiment, payment processing system 160 includes database, should Trade company beacon equipment 120 identifier of the database including 130 identifier of trade company's point of sale device and particular merchant system position Associated beacon identifier.In the exemplary embodiment, trade company's point of sale device 130 sends 120 identifier of trade company's beacon equipment To payment processing system 160.For example, trade company's point of sale device 130 can be set during foundation and installation process with trade company's beacon Standby 120, which establish network 140, connects and receives 120 identifier of trade company's beacon equipment by network 140.In another example embodiment In, payment processing system 160 receives 130 identifier of trade company's point of sale device, and one or more trade company's letters are extracted from database 120 identifier of marking device, and make 130 identifier of trade company's point of sale device and one or more trade company's beacon equipments extracted One or more of 120 identifiers are associated.In another example embodiment, commerce system operator is in installation one or more One or more trade companies beacon equipment 120 is installed after a trade company's point of sale device 130.In this exemplary embodiment, at payment The generation of reason system 160 will be associated with trade company 130 identifiers of point of sale device trade company's beacon equipment identifier and will give birth to Into trade company's beacon equipment identifier be sent to commerce system.In this exemplary embodiment, commerce system operator manually matches somebody with somebody Put trade company's beacon equipment 120 and referred to being broadcasted, being launched by network 140 or sent in other ways by payment processing system 160 Trade company's beacon equipment identifier of group.

In some example embodiments, trade company's beacon equipment 120 is the component of merchant POS equipment 130 or with wireless parties Formula is connected to merchant POS equipment 130 and is controlled by the one or more processors of merchant POS equipment 130 for physically System.In some example embodiments, being described herein as some functions for being performed by trade company's beacon equipment 120 can also be by Merchant POS equipment 130 performs.

From block 360, method 210 proceeds to the block 220 of Fig. 2.

Fig. 2 is returned to, in square 220, user 101 registers to payment processing system 160.Hereinafter with reference to institute in Fig. 4 The method 220 of description for the method from user 101 to 160 login account of payment processing system to being described in more detail.

Fig. 4 is to describe to be used for from user 101 to 160 login account of payment processing system according to some example embodiments The block diagram of method 220.Method 220 is described with reference to illustrated component in figure 1.

In block 410, user 101 accesses 160 website 169 of payment processing system.For example, user 101 calculates via user The web browser 118 of equipment 110 accesses payment processing system 160.In another example, user 101 can join in other ways It is that payment processing system 160 carrys out 101 account of registered user.

In block 420, user 101 registers to payment processing system 160.User 101 can obtain user account, and receiving will Appropriate application and software in user calculating equipment 110, request participates in the mandate of payment processes, or performs by propping up Pay any action required by processing system 160.User 101 can utilize the function such as user of user calculating equipment 110 to connect Mouthfuls 115 and web browser 118 register and configure 101 account of user.In the exemplary embodiment, user 101 can be to by paying The 101 account typing of user that processing system 160 the is safeguarded payment account information associated with 101 account of one or more users, Such as one or more credit accounts, one or more bank accounts, one or more stored value accounts and/or other appropriate accounts Family.

In block 430, user 101 will pay and be downloaded to using 113 in user calculating equipment 110.Implement in another example In example, user 101 buys or obtains in other ways the payment application including being pre-installed in user calculating equipment 110 113 user calculating equipment 110.In the exemplary embodiment, the payment operated in user calculating equipment 110 can using 113 Communicated by network 140 with payment processing system 160.In the exemplary embodiment, user 101 can apply via paying 113 configuration 101 Account Settings of user or addition, deletion or editor's payment account information.In the exemplary embodiment, user 101 It can select to enable or disable option of the payment processing system 160 to the license handled of merchandising.For example, transaction includes it Middle user 101 need not interact or require the minimum user 101 with user calculating equipment 110 to hand over user calculating equipment 110 The mutually transaction to initiate and commerce system is merchandised.

In block 440, payment processing system 160 establishes the face template associated with 101 account of user.Hereinafter join The method 440 described in Fig. 5 is examined to carry out in more detail the method for establishing the face template associated with 101 account of user Description.In some example embodiments, substitute and establish the face template associated with 101 account of user or except foundation and use Outside the face template that family account is associated, payment processing system 160 establishes the signature template associated with 101 account of user.

Fig. 5 is to describe to be used for the foundation face template associated with 101 account of user according to some example embodiments The block diagram of method 440.Method 440 is described with reference to illustrated component in figure 1.

In block 510 an, pay and capture face-image via user calculating equipment 110 for user 101 using 113 displays Request.In the exemplary embodiment, pay and show the request via user interface 115 using 113.In this example, user interface 115 It can show and pronounce " to enable transactions, we need an image of your face.Would you like submit a facial image now(in order to enable transaction can be realized, it would be desirable to the image of your face.You are willing to Meaning submits face-image now) " request.In this example, user 101 can select shooting photo current option or Person can select the picture being stored in user calculating equipment 110 in other ways.In another example, pay using 113 warps Request to user 101 is shown by user interface 115 with capture the image of the signature of user 101 or in other ways via with Family interface 115 submits the signature of user 101.

In block 520, user 101 selects the option of capture face-image.For example, on 101 actuating user interface 115 of user The object for pronouncing " yes, I would like to take a picture now. (yes, I is ready to take pictures now) ". In another example, user 101 captures the image of the signature of user 101 via the selection of user interface 115 of user calculating equipment 110 Option or selection submit user 101 signature option.

In block 530, pay and caught using the photomoduel 117 in 113 activation user calculating equipments 110 and user 101 Obtain the face-image of himself.In the exemplary embodiment, user calculating equipment user interface 115 can show the reality of user 101 Condition camera feed is to help user 101 to be directed at the face of user 101 to shoot face-image.In the exemplary embodiment, paying should With 113 can in user calculating equipment 110 on user interface 115 display box or other circumferences, user 101 should be described His face is directed in frame or other circumferences to shoot by the predetermined picture for requiring size of payment processing system 160. In example embodiment, user 101 can be with the object on actuating user interface 115 with capture images.In this exemplary embodiment, ring Should be in the object on 101 actuating user interface 115 of user, photomoduel 117 receives order to capture user from payment using 113 101 image.Example face-image can include the facial digital picture of user 101.In the exemplary embodiment, payment processes System 160 can be that user 101 submits face-image to establish guide.For example, paying can instruct user 101 to remove using 113 Any cap, scarf, glasses or other objects or the annex in the facial region of user 101 may be blocked so that pay application 160 can receive the facial complete description of user 101.In another example embodiment, user 101 applies 113 as paying The image of the signature of user 101 is captured as required.

In block 540, payment processing system 160 receives face-image.For example, paying will use using 113 via network 140 The face-image at family 101 is sent to payment processing system 160.In the exemplary embodiment, payment processing system 160 makes received Face-image it is associated with 101 account of user.For example, can be identified for that will be with received image for payment processing system 160 Associated 101 account of user, because user 101 is current when face-image is sent to 160 user 101 of payment processing system The payment signed in in user calculating equipment 110 applies 113.In some example embodiments, payment processing system 160 determines institute The face-image received is effective face-image or invalid face-image.For example, effective face-image meet by The predetermined all guides of payment processing system 160, and invalid face-image does not meet one or more guides.For example, If user 101 submits the face-image for including incorrect size, if part or all facial of user 101 is hidden Gear, or if image is too dark or too bright, payment processing system 160 is refused the invalid face-image and is calculated to user Equipment 110, which is sent, instructs user 101 to capture follow-up face-image to be sent to the request of payment processing system 160.In this example In, user calculating equipment 110 receives and shows the request, and user 101 captures follow-up face figure via user calculating equipment 110 Picture, and follow-up face-image is sent to payment processing system 160 by user calculating equipment 110 via network 140.Show another In example embodiment, payment processing system 160 receives the image of the signature of user 101 from user calculating equipment 110 or with other Mode receives the drawing signed by user 101 via the user 101 that the user interface 115 of user calculating equipment 110 is submitted.

In the exemplary embodiment, the image or received that payment processing system 160 signs received user 101 The face-image of user 101 be stored in memory or the storage device of payment processing system 160.In the exemplary embodiment, Payment processing system 160 also stores the metadata associated with the image received, such as the value embedded of image.

In block 550, payment processing system 160 is created and 101 account phase of user based on received face-image Associated face template.In this example, the face template of predefined size of the face template with such as 100-500KB.In example In, payment processing system 160 generates the face template for the computer generation representation for including digital facial image.For example, facial mould Plate can describe the key feature of the face-image of user 101, shape, the face of such as image or image specific region Color, line, value, space, form, texture or other useful or correlated characteristic.In the exemplary embodiment, payment processing system 160 The face template associated with user 101 generated is stored in the data associated with payment processing system 160 and stores list In member 166.It is used for making each 101 account of user and user for example, 160 database of payment processing system can include it The table or other means that 101 associated facial template is associated.In another example embodiment, payment processing system 160 is based on Image that received user 101 signs or based on by user 101 user calculating equipment 110 user interface 115 What the user 101 of submission signed draws to create the signature template associated with 101 account of user.In the exemplary embodiment, prop up Processing system 160 is paid as the face template associated with 101 account of user or signature template generation specific template identifier and The template identifier is stored in 101 account of user, such as by storing letter in association with the record of 101 account of user Breath.

From block 550, method 440 proceeds to the block 230 in Fig. 2.

Back to the block 230 in Fig. 2, what the generation of payment processing system 160 will be associated with 101 face template of user is similar Face template.Hereinafter with reference to the method 230 described in Fig. 6 to related to 101 face template of user for generating The method of the similar face template of connection is described in more detail.

Fig. 6 is that description will be with the face of user 101 for being generated by payment processing system 160 according to some example embodiments The block diagram of the method 230 for the similar face template that template is associated.Method 230 is carried out with reference to illustrated component in figure 1 Description.In other exemplary embodiments, what the generation of payment processing system 160 will be associated with the signature template of user 101 is similar Signature template.

In block 610, payment processing system 160 searches for similar face that will be associated with the face template of user 101 Image.Example face template includes the computer generation representation of digital facial image.For example, face template can describe user Shape, color, line, value, space, the shape of the key feature of 101 face-image, such as image or image specific region Formula, texture or other useful or correlated characteristic.In the exemplary embodiment, payment processing system 160 includes containing multiple faces The image data base of image.In another example embodiment, payment processing system 160 can be with not being payment processing system 160 The image data base containing multiple face-images of component communicated and searched all over the image data base.In example embodiment In, payment processing system 160 is by one or more in the one or more features described by 101 template of user and image data base A face-image compares.For example, the one or more features of face-image can include size, tone, the subregion of image The distance between, shape, line, value, space, form, texture or other useful or correlated characteristic.In the exemplary embodiment, prop up Pay processing system 160 using appropriate image recognition technology come identify by payment processing system 160 compare user's face template come The one or more features of image in the image data base compared.

In the block 620, payment processing system 160 selects one or more similar images.For example, payment processing system 160 based on will be facial by the described one or more features of 101 template of user and one or more of image data base The character pair of image or signature image, which is compared, relatively to be come to select one or more similar images from image data base.In example In embodiment, payment processing system 160 selects the most phase of predefined quantity based on the comparison of character pair from image data base As face-image.In this example, payment processing system 160 maps the similar image in embedded space.In this example, The image of more like face or signature is mapped in embedded space with 101 face template of user or the signature template of user 101 The image less more similar than to the face of user 101 or signature template is obtained more to be close together.In the exemplary embodiment, payment processes system The image of predetermined quantity is selected in the preset range of 160 distance metric in embedded space of system.For example, preset range is determined To cause selected image and the face of user 101 or signature template less similar so that they can not be with 101 template of user Distinguish, but also do not differed very much with 101 template of user.The scope is configurable so that realize desired similitude or Lack similitude.Larger similitude causes the correct face-image of merchant identification more difficult and therefore gives the face of presentation Image trade company of portion needs more make great efforts to identify the correct face-image of user 101 at merchant location.It is less similar Property cause the correct face-image of merchant identification less difficult and therefore give present face-image trade company needs less Make great efforts to identify the correct face-image of user 101 at merchant location.

In block 630, payment processing system 160 preserves associated with 101 face template of user and 101 account of user One or more similar face-images.For example, payment processing system 160 is by one or more similar face-images or similar Signature image be stored in the memory of payment processing system 160.For example, payment processing system 160 is by one or more phases As face-image be stored in the image data base of view data payment processing system 160 and/or in data storage cell 166 In.In the exemplary embodiment, payment processing system 160 gives the face-image each preserved or signature image to assign image identification Symbol.In this exemplary embodiment, one similar to 101 face template of user or more that payment processing system 160 will be preserved The image identifier of each in a face-image is stored in the account of user 101.In the exemplary embodiment, example image Identifier is by payment processing system 160 using retrieving preserved face-image or signature image.

In some other examples embodiments, payment processing system 160 is generated similar based on the signature template of user 101 Signature template.For example, payment processing system 160 is generated with the actual signature of user 101 somewhat not using appropriate technology Same similar signature.For example, the signature of user includes " John H.Smith ".In this example, three similar signature moulds Plate can include " J.H.Smith ", " John Smith " or " J.H.S ".In another example, payment processing system 160 can be with The font or other characteristics that modification user 101 signs are to generate similar signature template.

In the exemplary embodiment, payment processing system 160 for the similar face template associated with 101 account of user or Each in similar signature template generates specific template identifier and these template identifiers is stored in 101 account of user In family.In the exemplary embodiment, payment processing system 160 is generated to and 101 signature image phase of 101 face-image of user or user The link of associated similar or neighbouring image, includes the specific template identifier of each similar image.For example, payment processes The link that system 160 can be updated to similar or neighbouring image as the time elapses.

From block 630, method 230 proceeds to the block 240 in Fig. 2.

Back to the block 240 in Fig. 2, user 101 calculates via user before or after commerce system position is entered and sets Standby 110, which sign in payment, applies 113.In the exemplary embodiment, paid by signing in using at 113 user, 101 payment Reason system 160 can apply the transaction including payment initiated by user 101 in commerce system position 113 face recognition Feature is handled.In another example in embodiment, the payment that user 101 is opened in user calculating equipment 110 applies 113 And enter commerce system position, wherein user calculating equipment 110 is already logged into payment and applies 113.Implement in another example In example, user 101 signs in payment in the time before entering commerce system position using 113 and is paying on using 113 Configuration is one or more to be set to permit payment processing system 160 to handle transaction.In this exemplary embodiment, user 101 log in so that transaction can be realized when should not be at merchant location.Additionally, user 101 can access payment and apply 113 And configure license that one or more settings are handled transaction for payment processing system 160 to cancel or with other sides Formula disabling pays the face recognition feature using 113.

In block 250, user equipment receives 120 identifier of trade company's beacon equipment.Described in Fig. 7 Method 250 is to the method for receiving the trade company's beacon identifier broadcasted by trade company's beacon equipment 120 by user calculating equipment 110 It is described in more detail.

Fig. 7 is to describe to be used to be received by trade company's beacon equipment by user calculating equipment 110 according to some example embodiments The block diagram of the method 250 of trade company's beacon identifier of 120 broadcast.Method 250 is retouched with reference to illustrated component in figure 1 State.

In block 710, the payment that user 101 is signed in in user calculating equipment 110 applies 113.In the exemplary embodiment, User 101 can have the username and password associated with 101 account of user safeguarded by payment processing system 160.Showing In example embodiment, user 101 opens payment using 113 in user calculating equipment 110 and is used via 115 typing of user interface Name in an account book and/or password apply 113 to sign in to pay.In the exemplary embodiment, when user 101, which signs in payment, applies 113, The payment application can be communicated by network 140 with payment processing system 160.In this exemplary embodiment, as user 101 When being not logged into payment and applying 113, even if the connection of network 140 be available payment application also not with payment processing system 160 Communicate.In the exemplary embodiment, user 101 can be connect by the user of actuating user computing device 110 at any time One or more objects on mouth 115 apply 113 to publish to pay.In the exemplary embodiment, sign in pay using 113 it Afterwards, user 101 configures one or more 101 Account Settings of user, addition, editor or deletion 101 payment account information of user And/or change 101 preference of user.In some example embodiments, it may be required that user 101 makes feature selecting to obtain herein Described in technology benefit.For example, according to method described herein, user 101 may must enable one or more A 101 Account Settings of user are so that transaction can be realized.

In the exemplary embodiment, option, data, configurable alarm and other can be provided using 113 to user 101 by paying Suitable feature.For example, paying can include participating in branch according to one or more of method described herein using 113 Pay the commerce system of transaction and the list of merchant location.The list can be updated periodically from payment processing system 160.Pay User 101 can be notified using 113 when user 101 is interior near the configuration for participating in commerce system.Paying can be to using 113 User 101 provides the option of renewal payment preferences.Pay using 113 lists that last sale can be provided to user 101.Pay Any other suitable information can be provided to user 101 using 113.

Carry and use in block 720, in the communication distance of trade company's beacon equipment 120 of the user 101 at commerce system position Family computing device 110.In the exemplary embodiment, user 101 enters the position of commerce system.User 101 can be in pocket or bag In son, carry user calculating equipment 110 in the hand of user 101 or in any suitable manner and enter merchant location.Trade company The position of system can be any suitable physical location of store locations, retail kiosk position or commerce system.In another example In embodiment, trade company POS operator 102 can be movement and reach the position of user 101.For example, commerce system can be with It is restaurant and merchant POS equipment operator 102 can be the dispatching personnel for possessing portable merchant POS equipment 130.

In some example embodiments, paying can be when user 101 be near the commerce system for receiving to pay using 113 Alarm is sent to user 101.Can via the message in user calculating equipment 110, via e-mail or text, tactile ring It, should vibrate or alarm be provided in any suitable manner.In the exemplary embodiment, alarm can be based on such as by residing in user The position of user 101 determined by GPS component (not describing) on computing device 110.113 are applied from GPS component for example, paying Access gps data and list of the GPS location with the position for the commerce system for receiving to pay compares.For example, pay application The list or access by receiving what is paid that 113 payment processing systems 160 for including the commerce system position by receiving payment are safeguarded The list that the payment processing system 160 of commerce system position is safeguarded.If producing matching by comparing, alarm is generated and provides To user 101.If user 101 can produce matching in the configuration distance of titular commerce system position.In example In embodiment, alarm may be configured to send alarm in any suitable manner.In this example, can be in grouped commercial environment Alarm can be individually presented in middle combination alarm.In another example, alarm may be configured to only send to user 101 Alarm configured number.For example, alarm can be presented three times, but in four examples, alarm is not presented.Alarm can be used as tool Have audible alarm, vibration, user calculating equipment 110 user interface 115 on pop-up alarm or other suitable alarms it is logical Know and be presented.

In block 730, user calculating equipment 110 receives the trade company's beacon identifier broadcasted by trade company's beacon equipment 120.With Family computing device 110 is at the position of commerce system via wireless communication identification trade company beacon equipment 120.User calculating equipment 110 may be configured to acquisition beacon or other wireless signals.In the exemplary embodiment, user calculating equipment 110 and trade company's letter Marking device 120 is established Wi-Fi wireless networks 140 and is connected.In other exemplary embodiments, user calculating equipment 110 and trade company's letter Marking device 120 is established the appropriate network 140 of bluetooth, BLE, NFC or other and is connected.Entering the signal of trade company's beacon equipment 120 Scope when, user calculating equipment 110 receives trade company's beacon identifier.

In block 740, user calculating equipment 110 is by 101 account identification of received trade company's beacon identifier and user Symbol is sent to payment processing system 160.In the exemplary embodiment, user calculating equipment 110 will be in trade company's beacon by network 140 The data received in identifier are sent collectively to payment processing system 160 together with 101 account of user.

In block 750, payment processing system 160 receives 101 account of trade company's beacon identifier and user.For example, Payment processing system 160 receives 101 account of trade company's beacon identifier and user by network 140.Payment processing system 160 can be by the data from trade company's beacon identifier and trade company's beacon identifier data and trade company's point of sale device identifier number According to database compare, to determine the commerce system associated with trade company beacon identifier and trade company's point of sale device 130 Identity and/or the authenticity for verifying beacon.

From block 750, method 240 proceeds to the block 260 in Fig. 2.

Back to Fig. 2, in block 260, trade company's point of sale device 130 receives every in the range of trade company's beacon equipment 120 The face template of a user 101.Hereinafter with reference to the method 260 described in Fig. 8 to for by trade company's point of sale device 130 The method for receiving the face template of each user 101 in the range of trade company's beacon equipment 120 is described in more detail.

Fig. 8 is the side for being used to be received face template by trade company's point of sale device 130 described according to some example embodiments The block diagram of method 260.Method 260 is described with reference to illustrated component in figure 1.In other exemplary embodiments, trade company sells Sell point device 130 and receive signature template.

In block 810, payment processing system 160 extracts the face template associated with 101 account of user.Showing In example embodiment, payment processing system 160 accesses pair by the face template of the storage of multiple users 101 and each user 101 The database that 101 account of user answered is included.For example, this database is stored in data storage cell 166 In.In another example embodiment, payment processing system 160 extracts the signature template associated with 101 account of user.

In block 820, the trade company sale associated with trade company 120 identifiers of beacon equipment of the mark of payment processing system 160 Point device 130.In the exemplary embodiment, payment processing system 160 identifies 120 identifier of trade company's beacon equipment and payment processes System 160 and the particular merchant point of sale device 130 at commerce system position are associated.In the exemplary embodiment, pay Processing system 160 identifies trade company's beacon identifier and multiple trade company's point of sale device 130 at particular merchant position It is associated.

In block 830, the face template of identified user 101 is sent to and trade company's beacon by payment processing system 160 Trade company's point of sale device 130 that 120 identifier of equipment is associated.In another example, payment processing system 160 will be identified The signature template of user 101 is sent to the trade company point of sale device 130 associated with trade company 120 identifiers of beacon equipment.At certain In a little example embodiments, payment processing system 160 is by the face template of identified user 101 or signature template is sent to and business Multiple trade company's point of sale device 130 that beacon equipment 120 identifier in family is associated.In some example embodiments, payment processes System 160 is received from the 101 corresponding user calculating equipment of multiple users with being present at commerce system position in real time 101 multiple transmission, each transmission include 101 account of user and retransmit trade company's beacon identifier.It is real in these examples Apply in example, payment processing system 160 is retrieved and identified with received user account in response to receiving each this transmission The associated face template of symbol or signature template, and face template or signature template are sent to and trade company's beacon identifier phase One or more trade company's point of sale device 130 at associated merchant location.

In block 840, trade company's point of sale device 130 receives the face template of user 101.In another example, trade company sells Sell the signature template that point device 130 receives user 101.In another example embodiment, multiple trade company's point of sale device 130 receive The face template or signature template of user 101.In another example embodiment, trade company's point of sale device 130 and/or the multiple Trade company's point of sale device 130 receives from payment processing system 160 according to method previously described herein and removes instant user 101 One or more users 101 of the user calculating equipment 110 having to the connection of network 140 of trade company's beacon equipment 120 in addition Corresponding one or more additional face templates or additional signature template.For example, with addition to instant user 101 Additional user 101 establishes network between their user calculating equipment 110 and one or more trade companies beacon equipment 120 140 connections, one or more additional face template or signature templates are received from payment processing system 160 in real time.For example, one A or multiple trade companies point of sale device 130 can trade company's point of sale device 130 receive instant user 101 face template or Signature template before time, at the same time or in trade company's point of sale device 130 receive the facial mould of instant user 101 Received after the time of plate or template of signing and the corresponding one or more additional faces of one or more additional users 101 Portion's template or signature template.

In block 850, the face template of user 101 is added to current customer daily record by trade company's point of sale device 130.Another In one example, the signature template of user 101 is added to current customer daily record by trade company's point of sale device 130.In example embodiment In, current customer daily record can be accessed by trade company's point of sale device 130 and by payment processing system 160.In another example embodiment In, current customer daily record can additionally be accessed by the computing device of commerce system.In the exemplary embodiment, payment processing system 160 include and safeguard current customer daily record, and trade company's point of sale device 130 can access customer's daily record via network 140. In another example embodiment, commerce system and/or trade company's point of sale device 130 include and safeguard current customer daily record, described to work as Preceding customer's daily record can be paid for processing system 160 by carrying out communication with user calculating equipment 110 via network 140 and access.

In block 860, trade company's point of sale device 130 is updated periodically current customer daily record.Hereinafter with reference in Fig. 9 Described method 860 with the network range of the into or out trade company's beacon equipment 120 of user 101 by trade company to for being sold Point device 130 is sold to be described in more detail from 160 notification received method of payment processing system.

Fig. 9 is to describe to be used for the into or out trade company's beacon equipment of user 101 according to some example embodiments 120 network range is by trade company's point of sale device 130 from the notification received method 860 of payment processing system 160.With reference in figure 1 Method 860 is described in illustrated component.

In block 910, when the into or out trade company's beacon equipment of the user calculating equipment 110 for signing in payment account During 120 network range, trade company's point of sale device 130 is notified by payment processing system 160.For example, as previously discussed, when taking When user 101 with user calculating equipment 110 enters the threshold distance from trade company's beacon equipment 120, trade company's beacon equipment 120 or The user calculating equipment 110 of user 101 is able to detect that another equipment and between two equipment at commerce system position Wireless network 140 is established to connect.In this example, trade company's beacon equipment 120 will be with trade company's beacon equipment by wireless network 140 120 corresponding trade company's beacon identifiers are sent to user calculating equipment 110.For example, trade company's beacon equipment 120 via Wi-Fi, Trade company's beacon identifier is sent to user calculating equipment 110 by bluetooth, BLE or NFC cordless communication networks 140.In this example, User 101 account one of the user calculating equipment 110 by received trade company's beacon identifier together with mark user 101 Rise and retransmit to payment processing system 160.

In block 920, whether trade company's point of sale device 130 determines new user 101 in the range of trade company's beacon equipment 120. For example, if payment processing system 160 also receives new user 101 in addition to receiving identical trade company's beacon identifier Account, then payment processing system 160 can determine new user 101 in the range of trade company's beacon equipment 120.Show herein In example, payment processing system 160 can be based on receiving new 101 account of user and inferring new user 101 and have been enter into business Family position.In another example, if payment processing system 160 does not receive any new user 101 in threshold length of time Account and identical trade company's beacon identifier, then payment processing system 160 can determine no new user 101 into Enter 140 scope of network of trade company's beacon equipment 120.

If for new user 101 in the range of trade company's beacon equipment 120, method 860 proceeds to the block 830 in Fig. 8.Example Such as, payment processing system 160 also receives new 101 account of user in addition to receiving identical trade company's beacon identifier. In this example, payment processing system 160 be based on receiving new 101 account of user and from from the first user 101 first Before identical trade company's beacon identifier for receiving and infer new user 101 and have been enter into merchant location.

Back to Fig. 8, in block 810, the extraction of payment processing system 160 is associated with new 101 account of user Face template.In another example, payment processing system 160 extracts the signature mould associated with new 101 account of user Plate.In the exemplary embodiment, payment processing system 160 is except the face template of new user 101 or signature template to be sent to and work as Face template or signature template are also sent to appropriate one or more trade company's point of sale device 130 beyond preceding customer's daily record.

Back to Fig. 9, in block 920, if new user 101 not in the range of trade company's beacon equipment 120, method 860 proceed to block 930.For example, payment processing system 160 does not receive any 101 account of new user in threshold length of time Identifier and identical trade company's beacon identifier, and determine that new user 101 not yet enters the network of trade company's beacon equipment 120 140 scopes.

In block 930, trade company's point of sale device 130 determines whether active user 101 has been moved out trade company's beacon equipment 120 Scope.In the exemplary embodiment, user calculating equipment 110 continues to receive trade company's beacon identifier simultaneously from trade company's beacon equipment 120 And trade company's beacon identifier is retransmitted into payment processing system 160 together with 101 account of user.It is real in this example Apply in example, as long as user calculating equipment 110 maintains the wireless network 140 with trade company beacon equipment 120 to be connected, user calculating equipment Property information cycle including 101 account of trade company's beacon identifier and user can be sent to payment processes by 110 System 160.For example, user calculating equipment 110 can send this information to payment processing system 160 with every five seconds.In this example In embodiment, if payment processing system 160 stops receiving the interval that the information from user calculating equipment reaches predefined quantity, Then payment processing system 160 can determine that corresponding user 101 has been moved out the scope of trade company's beacon equipment.Implement in this example In example, if payment processing system 160 continues to the information sent by user calculating equipment 110 with expectation interval, pay Processing system 160 determines user 101 still in the range of the network 140 of trade company's beacon equipment 120.

If payment processing system 160 is not detected by the scope that active user 101 has been moved out trade company's beacon equipment 120, Method 860 proceeds to the block 260 in Fig. 2.For example, payment processing system 160 is continued to by user calculating equipment 110 it is expected It is spaced the trade company's beacon identifier sent and 101 account of user and determines user 101 still in trade company's beacon equipment In the range of 120 network 140.

Back to the block 260 in Fig. 2, trade company's point of sale device 130 receives face template.

Back to Fig. 9, in block 930, if active user 101 has been moved out the scope of trade company's beacon equipment 120, method 860 proceed to block 940.

In block 940, trade company's point of sale device 130 receives active user 101 from payment processing system 160 to be believed in trade company Notice outside the network range of marking device 120.For example, trade company's point of sale device 130 receives and working as outside network range The associated 101 account number identifier of user of preceding user 101, accesses current customer daily record, and searches opposite with active user 101 The entry answered.For example, current customer daily record by payment processing system 160 come safeguard and trade company's point of sale device 130 by with Payment processing system 160 is communicated accesses current customer daily record by network 140.

In block 950, trade company's point of sale device 130 deletes the face template of active user 101 from current customer daily record. In another example, trade company's point of sale device 130 deletes the signature template of active user 101 from current customer daily record.For example, Current customer daily record includes table and trade company's point of sale device 130 deletes or ask deletion associated with active user 101 The corresponding entry of data or row, the data receive including trade company's point of sale device 130 and notify targeted user's 101 Face template or signature template.In this example, trade company's point of sale device 130 is also deleted receives from payment processing system 160 With the face of user 101 or the signature associated additional face template of template and/or additional signature template.

From block 950, method 860 proceeds to the block 260 in Fig. 2.

Back to Fig. 2, in block 270, user 101 initiates transaction at trade company's point of sale device 130.Hereinafter with reference to Method 270 described in Figure 10 carries out more the method for initiating transaction in trade company's point of sale device 130 by user 101 Detailed description.

Figure 10 is to describe to be used to be initiated in trade company's point of sale device 130 by user 101 according to some example embodiments The block diagram of the method 270 of transaction.Method 270 is described with reference to illustrated component in figure 1.

In block 1010, user 101 is close to trade company's point of sale device 130.In the exemplary embodiment, close to trade company POS Time before equipment 130, user 101 browse commerce system position and select the one or more articles to be bought.Show herein In example embodiment, user 101 can collect one or more articles and will be one or more via entity basket or shopping cart A article transports or is transported in other ways merchant POS equipment 130.In another example embodiment, merchant POS equipment 130 close to user 101.For example, merchant POS equipment 130 includes mobile equipment and 130 operator of merchant POS equipment is with business Family POS terminal 130 is close to user 101.For example, commerce system includes delivery service.

In block 1020, the article of 130 operator of trade company's point of sale device, 102 aggregate user 101 purchase.Implement in example Example in, merchant POS equipment operator 102 scan be attached to one or more articles bar code or in other ways will be with institute State description that one or more articles are associated and price is entered into merchant POS equipment 130.In the exemplary embodiment, inciting somebody to action Item scan or after being manually entered in merchant POS equipment 130, merchant POS equipment operator 102 activates trade company POS Object on the user interface 135 of equipment 130 adds up to article with order merchant POS equipment 130.In the exemplary embodiment, trade company Sum is shown to user 101 by POS terminal 130 via user interface 135.

In block 1030,130 operator of trade company's point of sale device requires user 101 to select payment options.Implement in example In example, merchant POS equipment 130 shows that user 101 can select the one or more payment options used in transaction.Example branch Pay option can include paid via the payment associated with payment processing system 160 using 113, by paying in cash, It can or be ready to receive by paying by check, by Credit Card Payments, by debit payments and/or commerce system to use by oneself Any other means of payment of the payment at family 101.In the exemplary embodiment, one or more payment options are shown as object On user interface 135 and in response to user 101 merchant POS equipment 102 can be instructed to grasp by merchant POS equipment operator 102 Make a choice and select as member.

In block 1040, user 101 instructs trade company point of sale device operator 102 to initiate to merchandise using 113 using payment. In the exemplary embodiment, 113 oral request as payment options, business are applied in response to receiving selection payment from user 101 Family POS terminal operator 102 makes to apply 113 payment options opposite with paying on the user interface 135 of merchant POS equipment 130 The actuating object answered.

In block 1050, trade company point of sale device operator 102 selects the use on trade company's point of sale device 130 to pay should The option of transaction is initiated with 113.In the exemplary embodiment, merchant POS equipment 130 is selected in merchant POS equipment operator 102 Initiate to show confirmation screen after the option of transaction using paying using 113.Example confirms that screen can show that summary is potential The description for the one or more articles merchandised and bought including total transaction amount, by user 101 and user 101 have selected payment Using the information of one or more of 113 instructions of method of payment as transaction.Example confirms that screen can also be shown really The option recognized or Cancelled Transaction.In the exemplary embodiment, user 101, which examines, confirms screen, determines to show on screen is confirmed Information be correct, determine to want continuous business, and instruct merchant POS equipment operator 102 to select via user interface 135 Confirm the option of transaction.

In another example embodiment, user 101 determines abort transactoin, because information is incorrect or because user 101 change idea and decide not to purchase article.In another example embodiment, confirm that screen further includes editing transaction details Option.In this exemplary embodiment, merchant POS equipment operator 102 can select editing transaction thin under the guidance of user 101 The option of section and the payment that then can edit, add either one or more of deletion transaction article or editing transaction Details or method of payment.

From block 1050, method 270 proceeds to the block 280 in Fig. 2.

Back to Fig. 2, in block 280,130 operator of trade company's point of sale device identifies user 101 via face recognition. Hereinafter with reference to the method 280 described in Figure 11 to for by 130 operator of trade company's point of sale device via face recognition It is described in more detail to identify the method for user 101.In other exemplary embodiments, trade company's point of sale device 130 operates Member identifies user 101 via signing relatively.

Figure 11 is to describe to be used to via face be known by 130 operator of trade company's point of sale device according to some example embodiments The block diagram of the method 280 of user 101 is not identified.Method 280 is described with reference to illustrated component in figure 1.

In block 1110, trade company's point of sale device 130 retrieves face template from current customer daily record.For example, current care for The user calculating equipment associated with it 110 that objective daily record includes receiving from payment processing system 160 is located at trade company's beacon equipment 101 corresponding face template of all active users in 120 network distance.In the exemplary embodiment, trade company point of sale is set Standby 130 send pair and the corresponding face-image of face template that is retrieved via network 140 to payment processing system 160 Request.In this exemplary embodiment, payment processing system 160 in response to being received from trade company's point of sale device 130 to one or The request of multiple face-images and sent and the corresponding one or more faces of one or more face templates via network 140 Image.In another example embodiment, trade company's point of sale device 130 retrieves signature template from current customer daily record.In example In embodiment, available any face-image need not be by payment processing system 160 again on merchant POS equipment 130 Send.For example, merchant POS equipment 130 only from payment processing system 160 ask merchant POS equipment 130 without image.For example, Merchant POS equipment includes the cache of image and when merchant POS equipment 130 receives the user associated with user 101 Computing device 110 is outside the scope of trade company's beacon equipment 120 and/or when having left the notice of merchant location, merchant POS equipment 130 delete the image associated with 101 account of user from cache.

In block 1120, trade company's point of sale device 130 determines the number of the face template retrieved from current customer daily record Whether amount reaches predefined thresholds.For example, predefined thresholds can include ten face templates, if wherein trade company point of sale is set Standby 130 extract ten or more face templates from current customer daily record then reaches predefined thresholds.In another example, Whether the quantity for the signature template that trade company's point of sale device 130 determines to retrieve from current customer daily record reaches predefined threshold Value.

If the quantity of the face template retrieved by trade company's point of sale device 130 from current customer daily record exceedes predetermined Adopted threshold value, then method 270 proceed to block 1160.Similarly, in another example embodiment, if by trade company's point of sale device The quantity of the 130 signature templates retrieved exceedes predefined thresholds, then method 270 proceeds to block 1160.

In block 1160, face template is shown to trade company point of sale device operator by trade company's point of sale device 130.Example Such as, there are ten customers to carry to retransmit the trade company's beacon equipment identifier received from trade company's beacon equipment 120 by network 140 To the user calculating equipment 110 of payment processing system 160.In this example, current customer daily record include with ten customers Each corresponding face template.In this example, predefined thresholds include ten face templates, and because current customer Daily record includes ten or more face templates so reaching predefined thresholds.Because reaching predefined thresholds, trade company's pin Sell point device 130 and ten face templates are shown to trade company's point of sale device via the user interface of trade company's point of sale device 130 Operator 102.

In another example embodiment, trade company's point of sale device 130 shows signature mould to trade company point of sale device operator Plate.The trade company's beacon equipment received from trade company's beacon equipment 120 is identified by network 140 for example, there are ten customers to carry Symbol retransmits to the user calculating equipment 110 of payment processing system 160.In this example, current customer daily record includes and ten Gus Each corresponding signature template in visitor.In this example, predefined thresholds include ten signature templates, and because work as Preceding customer's daily record includes ten or more signature templates so reaching predefined thresholds.Because reaching predefined thresholds, Trade company's point of sale device 130 sells ten signature template for displaying to trade company via the user interface of trade company's point of sale device 130 Point device operator 102.

Back to block 1120, if the face template retrieved by trade company's point of sale device 130 from current customer daily record Quantity be no more than predefined thresholds, then method 270 proceeds to block 1130.For example, predefined thresholds can include ten faces Template, wherein being reached if trade company's point of sale device 130 extracts ten or more face templates from current customer daily record To predefined thresholds.Similarly, in other exemplary embodiments, if by trade company's point of sale device 130 from current customer daily record In the quantity of signature template that retrieves be no more than predefined thresholds, then method 270 proceeds to block 1130.In example embodiment In, payment processing system 160 can configure the predefined thresholds of face template.For example, higher predefined thresholds can cause The higher security level of transaction, because trade company point of sale operator 102 must be from being shown on trade company's point of sale device 130 Identified customer in the larger pond of image.In this example, relatively low predefined thresholds can cause the relatively low safe level of transaction Not, because trade company point of sale operator 102 identifies Gu from the reduction pond for the image being shown on trade company's point of sale device 130 Visitor.In this example, payment processing system 160 configures or selects predefined thresholds to reach desired security level.

In block 1130, trade company's point of sale device 130 sends asking to similar face template to payment processing system 160 Ask.It will be received for example, being carried at commerce system position there are four customers by network 140 from trade company's beacon equipment 120 Trade company's beacon equipment identifier retransmit to the user calculating equipment 110 of payment processing system 160.In this example, it is current to care for Objective daily record includes and each corresponding face template in four customers.In this example, predefined thresholds include ten Face template, and because current customer daily record only includes four face templates not up to predefined thresholds.It is real in example Apply in example, the request to similar face template includes each in 101 face template of user in current customer daily record 101 identifier of user.In other exemplary embodiments, trade company's point of sale device 130 to payment processing system 160 send to including The similar signature template of 101 account of user of each in the signature template of user 101 in current customer daily record Request.

In other exemplary embodiments, trade company's point of sale device 130 does not ask similar face from payment processing system 160 Template, but retrieval is stored in memory such as one or more of data storage cell 136 of trade company's point of sale device 130 Additional face template.

In block 1140, payment processing system 160 retrieves similar face template and these are similar for current customer Face template be sent to trade company's point of sale device 130.In another example embodiment, payment processing system 160 cares for be current Visitor retrieves similar signature template and these similar signature templates is sent to trade company's point of sale device 130.It is real in example Apply in example, payment processing system 160 retrieves a certain number of similar face templates or signature template so that current customer daily record In face template or sign template quantity to what is retrieved similar face template or the similar signature template received The sum of quantity be equal to predefined thresholds.For example, predefined thresholds can be ten face templates.In this example, trade company sells Point device 130 is sold to determine that it is predefined to determine that this four face templates are less than there are four face templates in current customer daily record Threshold value ten, and send the request to similar face template to payment processing system 160.In this example, payment processes system System 160 is received to be asked and extracts six similar face templates to set to be sent to trade company point of sale to similar face template Standby 130 so that the sum by the face template shown by trade company's point of sale device 130 is ten face templates.In another example In, predefined thresholds can be ten signature templates.In this example, trade company's point of sale device 130 was determined in current customer day There are four signature templates in will, determine that this four signature templates are less than predefined thresholds ten, and to payment processing system 160 Send the request to similar signature template.In this example, payment processing system 160 receives asking to similar signature template Ask and extract six similar signature templates to be sent to trade company's point of sale device 130 so that will be by trade company's point of sale device The sum of the signature template of 130 displays is ten signature templates.

In the exemplary embodiment, payment processing system 160 extracts all for each user 101 in current customer daily record Face template signs and template and selects a certain number of face templates or signature template to be sent to trade company's point of sale device 130.In the exemplary embodiment, payment processing system 160 owns from including associated with the user 101 in current customer daily record A certain number of face templates or signature mould are randomly chosen in similar face template or the pond of all similar signature templates Plate.In another example embodiment, it is evenly divided among user 101 of the payment processing system 160 in current customer daily record Selected face template or selected signature template.For example, there are five users 101 and propped up in current customer daily record Pay processing system 160 and select five similar face templates, each similar face template with it is specific in current customer daily record User 101 is associated.It can be selected using other appropriate methods or algorithm related to the user 101 in current customer daily record The similar face template of connection or similar signature template.

In block 1150, trade company's point of sale device 130 receives similar face template from payment processing system 160.For example, Trade company's point of sale device 130 receives the similar face template sent by payment processing system 160 by network 140.Another In example embodiment, trade company's point of sale device 130 receives the similar label sent by payment processing system 160 by network 140 Name template.

In block 1160, face template is shown to 130 operator of trade company's point of sale device by trade company's point of sale device 130. In the example embodiment of the number of thresholds of the face template in up to or over current customer daily record, trade company's point of sale device 130 only show the face template in current customer daily record.The number of thresholds of face template in not up to current customer daily record Another example embodiment in, trade company's point of sale device 130 is asked by network 140 except showing from payment processing system 160 Also shown outside the similar face template associated with one or more of current customer daily record user 101 with receiving Face template in current customer daily record.The other examples of the number of thresholds of face template in not up to current customer daily record In embodiment, trade company's point of sale device 130 is except showing the memory such as data storage cell from trade company's point of sale device 130 The face template in current customer daily record is also shown outside the additional face template retrieved in 136.In the exemplary embodiment, Trade company's point of sale device 130 shows face template via the user interface 135 of trade company's point of sale device 130.In this example, show The face template shown includes the icon that can be selected by the operator of trade company's point of sale device 130.

In another example embodiment, trade company's point of sale device 130 will sign template for displaying to trade company's point of sale device 130 Operator.In the example embodiment of the number of thresholds of the signature template in up to or over current customer daily record, trade company's pin Sell point device 130 and only show signature template in current customer daily record.Signature template in not up to current customer daily record In another example embodiment of number of thresholds, trade company's point of sale device 130 passes through network 140 from payment processing system except display Outside 160 requests and the similar signature template associated with one or more of current customer daily record user 101 received Also show the signature template in current customer daily record.In the exemplary embodiment, trade company's point of sale device 130 is via trade company point of sale The display signature template of user interface 135 of equipment 130.In this example, shown signature template include can be by trade company point of sale The icon of operator's selection of equipment 130.

In block 1170, trade company point of sale device operator 102 cares for the current of shown face template and cashier counter Visitor compares.In this example, the operator of trade company's point of sale device 130 can roll or examine in other ways all displays Face template.In the exemplary embodiment, user 101 will initiate facial characteristics and/or the spy of the active user 101 of transaction Property is compared with the facial characteristics of each in the one or more face templates being shown on trade company's point of sale device 130. In another example embodiment, trade company's point of sale device operator 102 cares for the current of shown signature template and cashier counter The signature of visitor compares.For example, trade company point of sale device operator 102 asks the current customer of cashier counter to be set to trade company point of sale Standby operator 102 provides signature.In this example, current customer submits label via the user interface 135 of trade company's point of sale device 130 Name.In another example, current customer using pen and paper on the list provided by trade company point of sale device operator 102 with thing Reason mode signs his signature.

In block 1175,130 operator 102 of trade company's point of sale device is determined in the face template and cashier counter being particularly shown Active user 101 face contour between with the presence or absence of matching.In another example embodiment, trade company's point of sale device operates Member 102 determines to whether there is between the signature template being particularly shown and the signature provided by the active user 101 of cashier counter Matching.

If trade company point of sale device operator 102 determines the specific face on trade company's point of sale device 130 is shown in Exist between template and the face contour of the active user 101 of cashier counter and match, then method 270 proceeds to block 1190.Another Example, if trade company point of sale device operator 102 determines in the signature template being particularly shown and with being used by the current of cashier counter There is matching between the signature that family 101 is provided, then method 270 proceeds to block 1190.

In block 1190, trade company point of sale device operator 102 is selected from shown face template and current customer Corresponding face template.For example, operator 102 activates object on the user interface 135 of point of sale device 130 with from showing Selection and the corresponding face template of current customer in the face template shown.In another example embodiment, trade company point of sale is set Standby operator 102 selects and the corresponding signature template of current customer from shown signature template.For example, operator 102 The object on the user interface 135 of point of sale device 130 is activated to be selected and current customer phase from shown signature template Corresponding signature template.

Back to block 1175, if trade company point of sale device operator 102 determines be shown in trade company's point of sale device 130 On face template in any one between the face contour of the active user 101 of cashier there is no matching, then method 270 Proceed to block 1180.In other exemplary embodiments, if trade company point of sale device operator 102 determines be shown in trade company's pin Any one sold in the signature template on point device 130 is not deposited between the signature that is provided by the active user 101 of cashier counter Matching, then method 270 proceeds to block 1180.

In block 1180, trade company point of sale device operator 102 verifies 101 identity of user via identity document.Under Method 1180 in text described in reference chart 12 by trade company point of sale device operator 102 via identity document to for being tested The method of card 101 identity of user is described in more detail.

Figure 12 is to describe to be used for by 130 operator 102 of trade company's point of sale device via body according to some example embodiments Part certificate identifies the block diagram of the method 1180 of user 101.Method 1180 is described with reference to illustrated component in figure 1.

In block 1210, trade company point of sale device operator 102 asks proof of identification from user 101.For example, trade company sells Point device operator 102 asks the identity document of mark user 101.Example identity certificate can be government issued or by non- Government entity distribution.Example identity certificate is enough to identify user 101 identity associated with 101 account of user.Example identity Certificate includes the photo of user 101.For example, identity document includes driving license or identity card.

In block 1220, user 101 provides proof of identification to trade company point of sale device operator 102.For example, user 101 The driving license of mark user 101 is presented to trade company point of sale operator 102.

In block 1230, trade company point of sale device operator 102 verifies 101 identity of user.In the exemplary embodiment, trade company The vision profile that point of sale device operator 102 compares user 101 compares the name on 101 identity document of user, date of birth Phase, image or other information.In this example, trade company's point of sale device operator 102 compares the identity document of user 101 and compares Compared with the vision profile of user 101.For example, the identity document instruction user 101 of user 101 is 20 years old male, weighs 150 pounds, high 5 English 4 inches of ruler and with brown hair and green eyes, and 130 operator 102 of merchant POS equipment estimates 101 vision of user Profile meets the profile described on the identity document presented by user 101.

In block 1240, trade company point of sale operator 102 inputs or confirms user on trade company's point of sale device 130 101 identity.In the exemplary embodiment, trade company's point of sale device operator 102 activates the user interface 135 of trade company's point of sale device On one or more objects confirm the identity of user 101.For example, trade company point of sale device operator 102 will can write on Identification number on 101 identity document of user is entered into user interface 135 and/or selection confirms the option of 101 identity of user.

From block 1240, method 1180 returns to the block 1190 in Figure 11.

Back to Figure 11, in block 1190, trade company point of sale device operator 102 selects from shown face template With the corresponding face template of current customer.In this example, shown face template is included in trade company's point of sale device 130 The icon that operator 102 can select on user interface 135.In this example, in response to operator 102 selection with cashier counter work as The corresponding shown user's face template of preceding customer, trade company's point of sale device 130 is by network 140 by selected face Template is transmitted to payment processing system 160.In the exemplary embodiment, the mark of payment processing system 160 and received face 101 account of user that template or signature template are associated.In the exemplary embodiment, payment processing system 160 will be received The face template that is selected by 130 operator 102 of trade company's point of sale device or signature template with and the associated mould of 101 account of user Plate compares.For example, operator 102 must select real life facial template or signature template, rather than similar face template or Similar signature template, to allow payment processing system 160 to allow transaction processed.In the exemplary embodiment, it is received Face template or received signature template include template identifier and the real life facial mould associated with 101 account of user Plate or signature template also include template identifier.In this exemplary embodiment, payment processing system 160 is by received The template identifier of template and the real replica being stored in 101 account of user is compared to determine face template or signature mould Whether plate includes the real life facial or signature template of user 101.

In some example embodiments, 130 operator of trade company's point of sale device selects incorrect face template or signature Template.For example, 130 operator 102 of trade company's point of sale device selection be shown on trade company's point of sale device 130 it is shown not Similar face template or similar signature mould including the real life facial template associated with 101 account of user or template of signing Specific one in plate.In these example embodiments, payment processing system 160 is received by operator 102 to similar face The instruction of the selection of template or similar signature template.For example, operator 102 must select real life facial template or signature mould Plate, rather than similar face template or similar signature template, to allow payment processing system 160 to allow transaction processed. In the exemplary embodiment, received face template or received signature template include template identifier and and user The real life facial template or true signature template that 101 accounts are associated also include template identifier.In this exemplary embodiment, pay Processing system 160 by received template and the template identifier of real replica being stored in 101 account of user into Row relatively determines face template or template of signing whether includes the real life facial of user 101 or template of signing.Implement in example In example, payment processing system 160 determines that selected template does not correspond to the template associated with 101 account of user, and substitutes Ground is the similar template generated by payment processing system 160.In the exemplary embodiment, payment processing system 160 Cancels Transaction And/or transaction is not further processed and is sent to trade company's point of sale device 130 notice merchandised and cannot be processed.Another In example embodiment, payment processing system 160 sends transaction to the user calculating equipment 110 associated with user account and is attempted Notice.

From block 1190, method 280 proceeds to the block 290 in Fig. 2.

Back to Fig. 2, in block 290, transaction is processed.Hereinafter with reference to the method 290 described in Figure 13 to It is described in more detail in the method handled transaction.

Figure 13 is the block diagram for describing the method 290 for being used to handle transaction according to some example embodiments.With reference to Method 290 is described in illustrated component in Fig. 1.

In block 1310, the account information of identified user 101 is sent to trade company point of sale by payment processing system 160 Equipment 130.In the exemplary embodiment, payment processing system 160 based on it is selecting by trade company point of sale device operator 102 and 101 account of user that 101 face template of user received from trade company's point of sale device 130 is associated identify with work as Associated 101 account of user of preceding transaction.For example, 101 account of user of payment processing system 160 includes one with user 101 The payment account information that a or multiple payment accounts are associated.The example payment account of user 101 includes credit accounts, bank's account Family, stored value accounts, 101 account of Gift Card, commerce system charging account or other associated users.In the exemplary embodiment, trade company POS terminal 130 does not receive the complete payment information of one or more of 101 payment account of user.For example, payment information can be with It is confused or blocks.User 101 is allowed to identify enough for example, merchant POS equipment 130 can be received only via user interface 135 The breviary payment information of payment account.

In block 1320, trade company's point of sale device 130 shows the account of identified user 101.In the exemplary embodiment, Merchant POS equipment 130 does not show the complete account information of user 101 on user interface 135.For example, for credit card, Merchant POS equipment user interface 135 can only show the name associated with credit card, credit number last 4-digit number, And expiry date.

In block 1330, trade company point of sale device operator 102 selects 101 account of user to be used to merchandise and in user Transaction is confirmed under 101 license.For example, user 101 checks the account options being directly displayed on user interface 135 or listens business Family POS terminal operator 102 reads 101 payment account option of user to user 101.In the exemplary embodiment, user 101 selects The payment account option to be used in transaction.For example, user 101 determines to use credit card.In the exemplary embodiment, use Family 101 sends the selection of the payment account to being used in transaction to merchant POS equipment operator 102.In example embodiment In, in response to receiving instruction of the user 101 to payment account, merchant POS equipment operator 102 is selected by user 101 in business The payment account indicated on family POS terminal user interface 135.

In block 1340, trade company's point of sale device 130 sends trade detail to payment processing system 160.For example, trade company POS terminal 130, which is sent, includes total transaction amount, the account of commerce system and the selection to 101 bill payment option of user Trade detail.In the exemplary embodiment, payment processing system 160 receives trade detail by network 140.In example embodiment In, payment processing system 160 extracts opposite with the received selection to 101 payment account of user from 101 account of user The payment account information answered.

In block 1350, payment processing system 160 sends transaction authorization request to distribution method, system 150.Implement in example In example, it is total that the generation of payment processing system 160 includes 101 payment account information of user, commerce system payment account information and transaction The transaction authorization request of volume.In the exemplary embodiment, distribution method, system 150 is received via network 140 from payment processing system 160 The transaction authorization request.

In block 1360, distribution method, system 150 ratifies transaction authorization request and sends to payment processing system 160 to merchandise Authorize approval.In the exemplary embodiment, method, system 150 is issued by the letter of the user 101 associated with the credit accounts of user 101 The current account balance of user 101 is subtracted with limit.In the exemplary embodiment, if difference between limited credit and credit balance More than the positive number of total transaction amount, then issue method, system 150 and ratify Trading Authorization.For example, the user 101 if transaction will go through His limited credit is will not be over, therefore issues method, system 150 and ratifies transaction authorization request.In the exemplary embodiment, pay Processing system 160 receives Trading Authorization approval from distribution method, system 150.In another example embodiment, payment processing system 160 Refuse transaction authorization request in response to distribution method, system 150 and receive the refusal to transaction authorization request.In the exemplary embodiment, If issuing method, system 150 ratifies transaction authorization request, issue 150 trusted merchant system account of method, system and add expense To 101 credit accounts report of user, bank account report or other appropriate reports.

In block 1370, payment processing system 160 sends receipts of transactions to trade company's point of sale device 130.For example, at payment Reason system 160 is sent the confirmation of the approval to transaction to merchant POS equipment 130 by network 140 or is rejected the notice of transaction. In the exemplary embodiment, the receipts for the summary that merchant POS equipment 130 includes successfully or not successfully merchandising via printer apparatus printing According to the printer apparatus is the component of merchant POS equipment 130 or is communicably coupled to merchant POS equipment in other ways 130.In another example embodiment, receipts of transactions can be sent to user calculating equipment 110 with quilt by payment processing system 160 It is shown on the user's computing device.In another example embodiment, receipts of transactions is sent to user by merchant POS equipment 130 Computing device 110 is to be displayed on the user's computing device.

Other examples embodiment

Figure 14 describes the computing machine 2000 and module 2050 according to some example embodiments.Computing machine 2000 can be right Answer any one in the various computers that presented in this article, server, mobile equipment, embedded system or computing system. Module 2050 can include being configured to facilitate computing machine 2000 to perform various methods and processing function presented herein One or more hardware or software element.Computing machine 2000 can include various inside or attached component, such as processor 2010th, system bus 2020, system storage 2030, storage medium 2040, input/output interface 2060 and it is used for and network 2080 network interfaces 2070 to communicate.

Computing machine 2000 can be used as conventional computer system, embedded controller, laptop computer, server, shifting Dynamic equipment, smart phone, set-top box, information kiosk, Vehicle Information System, the one or more processors associated with television set, Custom machine, any other hardware platform or any combination thereof or diversity be implemented.Computing machine 2000 can be configured Into using the multiple computing machines interconnected via data network or bus system come the distributed system that works.

Processor 2010 may be configured to perform code or instruction to perform operation and functionality described herein, Management request stream and address of cache, and perform and calculate and generate order.Processor 2010 may be configured to monitor and control The operation of component in computing machine 2000.Processor 2010 can be general processor, processor core, multiprocessor, can Configuration processor, microcontroller, digital signal processor (" DSP "), application-specific integrated circuit (" ASIC "), graphics processing unit (" GPU "), field programmable gate array (" FPGA "), programmable logic device (" PLD "), controller, state machine, gate are patrolled Volume, discrete hardware components, any other processing unit or any combination thereof or diversity.Processor 2010 can be single processing Unit, multiple processing units, single processing core, multiple processing cores, dedicated processes core, coprocessor or its any group Close.According to some embodiments, the processor 2010 and other components of computing machine 2000 can be one or more of the other The Virtualization Computer device performed in computing machine.

System storage 2030 can include nonvolatile memory, such as read-only storage (" ROM "), programmable read-only Memory (" PROM "), erasable programmable read-only memory (" EPROM "), flash memory, or can apply being with or without Any other equipment of storage program instruction or data in the case of electric power.System storage 2030 can also be deposited including volatibility Reservoir, such as random access memory (" RAM "), static RAM (" SRAM "), dynamic random access memory (" DRAM ") and Synchronous Dynamic Random Access Memory (" SDRAM ").Other types of RAM can be used for realizing that system stores Device 2030.System storage 2030 can be realized using single memory module or multiple memory modules.Although system is deposited Reservoir 2030 is depicted as a part for computing machine 2000, but those skilled in the art will recognize that, do not departing from master System storage 2030 can be separated with computing machine 2000 in the case of the scope of topic technology.It should also be appreciated that system Memory 2030 can include the non-volatile memory device of such as storage medium 2040, or with such as storage medium 2040 Non-volatile memory device operates in combination.

Storage medium 2040 can include hard disk, floppy disk, aacompactadisk read onlyamemory (" CD-ROM "), digital universal disc It is (" DVD "), Blu-ray disc, tape, flash memory, other non-volatile memory devices, solid state drive (" SSD "), any Magnetic storage apparatus, any light storage device, any storage device electric, any semiconductor memory apparatus, any depositing based on physics Store up equipment, any other data storage device or any combination thereof or diversity.Storage medium 2040 can store one or more A operating system, application program and such as program module of module 2050, data or any other information.Storage medium 2040 can To be a part for computing machine 2000 or be connected to computing machine 2000.Storage medium 2040 can also be and computing machine 2000 communication one or more of the other computing machines a part, such as server, database server, cloud storage device, Network attached storage devices etc..

Module 2050 can include being configured to facilitate computing machine 2000 perform various methods presented herein and The one or more hardware or software element of processing function.Module 2050 can include being used as software or firmware and system storage 2030th, the one or more sequences for the instruction that storage medium 2040 or both stores in association.Storage medium 2040 therefore can With represent can be with store instruction or code for the machine performed by processor 2010 or the example of computer-readable medium.Machine Or computer-readable medium usually may refer to any one or more media for providing instruction to processor 2010.With mould Block 2050 associated such machine or computer-readable medium can include computer software product.It should be understood that bag Include module 2050 computer software product can also with for via network 2080, any signal bearing medium or it is any its The one or more processes or method that module 2050 is delivered to computing machine 2000 by its communication or delivery technique are associated.Module 2050 can also include hardware circuit or the information for configuring hardware circuit, such as FPGA or other PLD microcode or Configuration information.

Input/output (" I/O ") interface 2060 may be configured to be coupled to one or more external equipments, from described one A or multiple outer equipment receiving datas, and send data to one or more of external equipments.Such external equipment with And various internal units can also be referred to as ancillary equipment.I/O interfaces 2060 can include being used for various peripheral operations It is coupled to both electrical connection and physical connection of computing machine 2000 or processor 2010 in ground.I/O interfaces 2060 can be configured Into transmission data, address and control signal between ancillary equipment, computing machine 2000 or processor 2010.I/O interfaces 2060 It may be configured to realize any standard interface, such as small computer system interface (" SCSI "), serial attached SCSI It is (" SAS "), optical-fibre channel, periphery component interconnection (" PCI "), PCI Express (PCIe), universal serial bus, parallel bus, advanced Technology attaches (" ATA "), serial ATA (" SATA "), Universal Serial Bus (" USB "), Thunderbolt, FireWire, various Video bus etc..I/O interfaces 2060 may be configured to realize only one interface or bussing technique.Alternatively, I/O interfaces 2060 may be configured to realize multiple interfaces or bussing technique.I/O interfaces 2060 can be configured as system bus 2020 A part, all or in combination with system bus 2020 operate.I/O interfaces 2060 can include being used to buffer one or more One or more buffers of transmission between a external equipment, internal unit, computing machine 2000 or processor 2010.

Computing machine 2000 can be coupled to including mouse, touch-screen, scanner, electronic digitalizing by I/O interfaces 2060 Instrument, sensor, receiver, touch pad, trace ball, camera, microphone, keyboard, any other pointer device or any combination thereof Various input equipments.Technology machinery 2000 can be coupled to including video display, loudspeaker, printing by I/O interfaces 2060 Machine, projecting apparatus, haptic feedback devices, automation control, robot assembly, actuator, motor, fan, solenoid, valve, pump, hair Send the various output equipments of machine, signal projector, lamp etc..

Computing machine 2000 can be used arrives one or more of the other system by network interface 2070 across network 2080 Or the logical connection of computing machine operates in networked environment.Network 2080 can include wide area network (WAN), LAN (LAN), Intranet, internet, wireless access network, cable network, mobile network, telephone network, optical-fiber network or its combination.Network 2080 can To be any topological packet-switched, circuit-switched, and any communication protocol can be used.Communication in network 2080 Link can be related to it is various numeral or analogue communication media, such as fiber optic cables, Free Space Optics device, waveguide, electric conductor, Radio Link, antenna, radio communication etc..

Processor 2010 can be connected to other elements of computing machine 2000 or institute herein by system bus 2020 The various ancillary equipment discussed.It should be understood that system bus 2020 can in the processor 2010, outside processor 2010 Portion haves both at the same time.According to some embodiments, processor 2010, other elements or discussed herein of computing machine 2000 Any one in various ancillary equipment can be integrated into such as system-on-chip (" SOC "), system encapsulation (" SOP ") or ASIC devices In the individual devices of part.

The systematic collection discussed herein on the personal information of user or in the case of personal information can be utilized, It can provide a user for controlling whether program or feature collect user information (for example, social networks, social activity on user Action or activity, occupation, the preference of user or user current location information) or control whether and/or how from content Server receives the chance or option of content that may be more relevant with user.In addition, some data can be stored at it or Handled before use in a manner of one or more so that the information that individual can identify is removed.For example, can be to the body of user Part is handled so that not can determine that the personal information that can be identified for the user, or can obtained positional information In the case of make the geographical location vague generalization of user (such as to city, postcode or state rank) so that not can determine that user Specific location.Therefore, how user can be collected on user with control information and be used by content server.

Embodiment can include the computer program for implementing function described and illustrated herein, the wherein calculating Machine program is implemented in computer systems, and the computer system includes the instruction and execution being stored in machine readable media The processor of these instructions.It should be apparent, however, that can have in computer programming realize embodiment it is many not Same mode, and these embodiments should not be construed as being limited to any computer program instruction set.In addition, skilled program Member be able to will write such computer program with based on the appended flow chart in application text and associated description to realize public affairs The embodiment for the embodiment opened.Therefore, the disclosure of specific program code command collection is not to be regarded as suitably understanding how to make Necessary to going out and using embodiment.In addition, those skilled in the art will be appreciated that can by hardware, software or its combination To perform the one or more aspects of embodiment described herein, can such as be embodied in one or more calculate is As in system.In addition, any reference to any behavior performed by computer is not construed as by single computer Perform, because more than one computer can perform the behavior.

Example embodiment described herein can be with performing the computer of method described herein and processing function Hardware and software is used together.System described herein, method and process can be can perform with programmable calculator, computer Software or digital circuit are implemented.Software can be stored on computer-readable medium.For example, computer-readable medium It may include floppy disk, RAM, ROM, hard disk, removable medium, flash memory, memory stick, optical medium, magnet-optical medium, CD-ROM Deng.Digital circuit may include integrated circuit, gate array, building block system logic, field programmable gate array (FPGA) etc..

Example system, method and behavior described in previously presented embodiment are illustrative, and real substituting To apply in example, some behaviors can be performed in a different order, and be performed concurrently with each other, be omitted completely, and/or in different examples Combined between embodiment, and/or can perform some additional behaviors, without departing from the scope and spirit of various embodiments.Therefore, Such alternate embodiment is included in the scope of the following claims, following claims will be endowed most broad interpretation so as to Include such alternate embodiment.

Although have been described above describe in detail specific embodiment, but this specification is merely to illustrate that.Therefore, It should be understood that unless in addition explicitly stating, otherwise above-mentioned many aspects are not intended as required or necessary key element. In the case of the spirit and scope for not departing from the embodiment defined in following claims, this area of the disclosure is benefited from Those of ordinary skill can make the modification to the open aspect of example embodiment and the open aspect phase with example embodiment Corresponding equivalent elements or behavior, the scope of the following claims will be endowed most broad interpretation with comprising it is such modification and it is equivalent Structure.

Claims

1. a kind of computer implemented method for being used to identify user, including：

One or associated with the customer being currently located at or near commerce system position is retrieved by point of sale computing device more The image template of a storage, wherein the image template of one or more of storages include with the point of sale computing device The image template that the current customer of physical locations is associated；

Determine that the image template of one or more of storages is not up to the predefined threshold of template by the point of sale computing device It is worth quantity；

By the additional image template of point of sale computing device request；

One or more additional image templates are received by the point of sale computing device；

One or more of image template of the storage and the additional image are shown by the point of sale computing device One or more of template；

Input to the selection of specific one in shown image template is received by the point of sale computing device；And

Sent from the point of sale computing device to one or more computing devices to the spy in shown image template Selected instruction one fixed.

2. according to the method described in claim 1, further include：

Received by the point of sale computing device and one or more of computing devices include with the selected figure One or more pay being associated as the digital wallet account of the specific one associated current customer in template is selected The payment account of item；

The payment account information is shown by the point of sale computing device；

The input of the selection to specific payment option is received by the point of sale computing device；And

Send from the point of sale computing device to one or more of computing devices and specific payment is selected by the operator The instruction of the selection of item, wherein one or more of computing devices use the branch associated with selected specific payment option Account information is paid to handle transaction.

3. according to the method described in claim 1, wherein (i) one or more of additional templates are by one or more A computing device is generated based on the one or more templates stored, and/or

Wherein (ii) described image template includes face-image template, and the wherein selected input is included by described Point of sale computing device operation person is in response to the face of each in shown image template and the current customer is taken turns Exterior feature compares and to the selection of the specific image template, and/or

Wherein (iii) described image template includes signature image template, and the wherein selected input is included by institute Point of sale computing device operation person is stated based on by by the signature that the customer provides and each in shown image template Compare and to the selection of the specific image template.

4. a kind of computer implemented method for being used to identify user, including：

The account and trade company's beacon identifier of user is received from user calculating equipment by one or more computing devices, its Described in user calculating equipment via trade company's beacon equipment with the physical locations positioned at trade company's computing system network connection To receive trade company's beacon identifier；

It is related to the user to retrieve based on the account of the user by one or more of computing devices The image template of connection；

The commerce system point of sale associated with trade company's beacon identifier is identified by one or more of computing devices to count Calculate equipment；

By one or more of computing devices by the described image template of the user and associated trade company's point of sale device It is added to current customer daily record, the current customer daily record includes the currently user's at the position of trade company's computing system Image template；

The current customer daily record is sent from one or more of computing devices to trade company point of sale computing device.

5. according to the method described in claim 4, further include：

Determine that the user calculating equipment no longer maintains and trade company's beacon equipment by one or more of computing devices Network connection；

Removed by one or more of computing devices from the current customer daily record user the face template and Associated commerce system position is to generate the current customer daily record of renewal；And

The current customer day of the renewal is sent from one or more of computing devices to trade company point of sale computing device Will.

6. according to the method described in claim 5, wherein if do not received in threshold amount of time from the user calculating equipment To the user account identifier and the subsequent transmission of trade company's beacon identifier, then one or more of computing devices are true The fixed user calculating equipment no longer maintains the network connection with trade company's beacon equipment.

7. according to the method described in claim 4, further include：

By one or more of computing devices asking to additional image template is received from trade company point of sale computing device Ask, wherein trade company point of sale computing device is in response to determining that the current customer daily record includes being permitted less than predefined thresholds More image templates and send the request to additional image template；

It is attached to retrieve based on the current customer enumerated in the current customer daily record by one or more of computing devices The image template added；

The additional image template is sent to trade company point of sale computing device by one or more of computing devices For being shown together with the described image template in the current customer daily record；And

The selection to the specific image template from shown image template is received by one or more of computing devices Instruction.

8. according to the method described in claim 7, further include：

User account is identified based on received specific image template by one or more of computing devices；

By one or more of computing devices determine received specific image template with and the user account it is associated Described image template matches；

Being sent from one or more of computing devices to trade company point of sale computing device includes and the user account phase The payment information of associated one or more payment account data；

Received by one or more of computing devices from trade company point of sale computing device to specific payment account data and The instruction of the selection of transaction data；

Transaction authorization request is generated by one or more of computing devices, the transaction authorization request includes total transaction amount, institute State merchant account identifier and the specific payment account information；

The transaction authorization request is sent to by one or more of computing devices associated with the specific payment account Distribution method, system；

By one or more of computing devices the approval included to the transaction authorization request is received from the distribution method, system Data；And

Being sent from one or more of computing devices to trade company point of sale computing device includes the summary of the transaction Receipt is for being shown on the point of sale device.

9. according to the method described in claim 7, further include：The current Gu enumerated in based on the current customer daily record Visitor retrieves the time before the additional image template, and the additional figure is generated by one or more of computing devices As template.

10. according to the method described in claim 9, wherein generate the additional image template include being based on with it is described current The similitude for the image template that customer is associated is retrieved the additional image template from image data base and will be retrieved To additional image template be stored in the memory of one or more of computing devices.

11. a kind of computer program product, including：

A kind of non-transitory computer-readable medium for including computer-readable program instructions thereon, the computer-readable journey Sequence instruction makes the computer identity user when executed by a computer, and the computer-readable program instructions include：

It is related to the request of the transaction of the current customer positioned at the physical locations associated with commerce system for reception initiation Computer-readable program instructions；

Be associated one of customer for retrieving the physical locations associated with the commerce system with being currently located at Or the computer-readable program instructions of the image template of multiple storages；

Computer-readable program instructions for the image template for showing one or more of storages；

For receiving the computer-readable program instructions of the input to the selection of specific one in shown image template；

For being sent to one or more of computing devices to described in described specific one in shown image template The computer-readable program instructions of the instruction of selection, wherein one or more of computing devices are indicated to identify based on described State the account of current customer；

For being received from one or more of computing devices including associated with the digital wallet account of the current customer The computer-readable program instructions of the payment account information of one or more payment options；

For showing the computer-readable program instructions of the payment account information；

Computer-readable program instructions for the input for receiving the selection to specific payment option；And

Computer for sending from the selected instruction to specific payment option to one or more of computing devices can Reader instructs, wherein one or more of computing devices are paid a bill using the branch associated with selected specific payment option Family information come to transaction handle.

12. computer program product according to claim 11, further includes：

Image template for determining one or more of storages is not up to the computer-readable program instructions of predefined thresholds；

For the computer from the additional image template of the one or more computing devices request associated with payment processing system Readable program instructions；And

It is one or more additional for being received from the one or more of computing devices associated with the payment processing system Image template computer-readable program instructions, wherein one or more of additional image templates together with one or The image template of multiple storages is shown for potentially selecting together.

13. computer program product according to claim 11,

Wherein (i) one or more of additional templates are based on one stored by one or more of computing devices Or multiple template and generate, and/or

Wherein (ii) described image template includes face-image template, and wherein operator response is in by shown image mould Each in plate selects the specific image template compared with the face contour of the current customer.

14. a kind of system for identifying user, including：

Storage device；And

The processor of the storage device is communicably coupled to, is stored in wherein the processor performs in the storage device Application code instructions so that the system：

Receive the request for the transaction for initiating to be related to current customer；

Retrieve the image templates of the associated one or more storages of customer of the physical locations with being currently located at commerce system；

Show the image template of one or more of storages；

Receive the input to the selection of specific one in shown image template；

Sent to one or more of computing devices to the selection of described specific one in shown image template Instruction, wherein one or more of computing devices identify the account of the current customer based on the instruction；

Being received from one or more of computing devices includes one associated with the digital wallet account of the current customer Or the payment account of multiple payment options；

Show the payment account information；

Receive the input of the selection to specific payment option；And

Sent to one or more of computing devices by selected instruction of the user to specific payment option, wherein One or more of computing devices are using the payment account information associated with selected specific payment option come to transaction Handled.

15. system according to claim 14,

Wherein (i) described processor be further configured to perform be stored in computer-readable program instructions in the storage device with The system is set to receive the request for the transaction for initiating to be related to current customer, and/or

Wherein (ii) described processor is further configured to perform the computer-readable program instructions being stored in the storage device So that the system：

Determine that the image template of one or more of storages is not up to the predefined thresholds quantity of the image template stored；

The image template additional from the one or more computing devices request associated with payment processing system；And

One or more additional figures are received from the one or more of computing devices associated with the payment processing system As template, wherein one or more of additional image templates together with one or more of storages image template by It is displayed for potentially being selected by operator, and/or

Wherein (iii) one or more of additional templates are based on the storage by one or more of computing devices One or more templates and generate.